YOUR BENEFIT PLAN Lowe's Companies, Inc. · 2001. 1. 11. · Lowe's Companies, Inc. 1000 Lowe’s Boulevard Mooresville, NC 28117 TO OUR EMPLOYEES: All of us appreciate the protection

Certificate Number 4

YOUR BENEFIT PLAN

Lowe's Companies, Inc.

Full-Time Employees

Basic Life Insurance

Employee Life Insurance

Supplemental Life Insurance

Dependent Life Insurance

Voluntary Accidental Death and Dismemberment Insurance

Certificate Date: January 1, 2011

Lowe's Companies, Inc. 1000 Lowe’s Boulevard Mooresville, NC 28117 TO OUR EMPLOYEES: All of us appreciate the protection and security insurance provides. This certificate describes the benefits that are available to you. We urge you to read it carefully.

Lowe's Companies, Inc.

GCERT2000 fp 1

Metropolitan Life Insurance Company 200 Park Avenue, New York, New York 10166

CERTIFICATE OF INSURANCE Metropolitan Life Insurance Company (“MetLife”), a stock company, certifies that You and Your Dependents are insured for the benefits described in this certificate, subject to the provisions of this certificate. This certificate is issued to You under the Group Policy and it includes the terms and provisions of the Group Policy that describe Your insurance. PLEASE READ THIS CERTIFICATE CAREFULLY. This certificate is part of the Group Policy. The Group Policy is a contract between MetLife and the Policyholder and may be changed or ended without Your consent or notice to You. Policyholder: Lowe's Companies, Inc. Group Policy Number:

109702-1-G

Type of Insurance: Term Life & Accidental Death and Dismemberment Insurance

MetLife Toll Free Number(s): For Claim Information FOR LIFE CLAIMS: 1-800-638-6420

THIS CERTIFICATE ONLY DESCRIBES TERM LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. THE BENEFITS OF THE POLICY PROVIDING YOU COVERAGE ARE GOVERNED PRIMARILY BY THE LAWS OF A STATE OTHER THAN FLORIDA. THE GROUP INSURANCE POLICY PROVIDING COVERAGE UNDER THIS CERTIFICATE WAS ISSUED IN A JURISDICTION OTHER THAN MARYLAND AND MAY NOT PROVIDE ALL THE BENEFITS REQUIRED BY MARYLAND LAW. WE ARE REQUIRED BY STATE LAW TO INCLUDE THE NOTICE(S) WHICH APPEAR ON THIS PAGE AND IN THE NOTICE(S) SECTION WHICH FOLLOWS THIS PAGE. PLEASE READ THE(SE) NOTICE(S) CAREFULLY.

GCERT2000 notice/tx 2

For Texas Residents:

IMPORTANT NOTICE To obtain information or make a complaint: You may call MetLife’s toll free telephone number for information or to make a complaint at

1-800-638-6420

You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at

1-800-252-3439 You may write the Texas Department of Insurance P.O. Box 149104 Austin, TX 78714-9104 Fax # (512) 475-1771 Web: http://www.tdi.state.tx.us Email: [email protected] PREMIUM OR CLAIM DISPUTES: Should You have a dispute concerning Your premium or about a claim, You should contact MetLife first. If the dispute is not resolved, You may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR CERTIFICATE: This notice is for information only and does not become a part or condition of the attached document.

Para Residentes de Texas:

AVISO IMPORTANTE Para obtener información o para someter una queja: Usted puede llamar al numero de teléfono gratis de MetLife para información o para someter una queja al

1-800-638-6420

Puede comunicarse con el Departamento de Seguros de Texas para obtener información acerca de compañías, coberturas, derechos o quejas al

1-800-252-3439 Puede escribir al Departamento de Seguros de Texas P.O. Box 149104 Austin, TX 78714-9104 Fax # (512) 475-1771 Web: http://www.tdi.state.tx.us Email: [email protected] DISPUTAS SOBRE PRIMAS O RECLAMOS: Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con MetLife primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI). UNA ESTE AVISO A SU CERTIFICADO: Este aviso es solo para propósito de información y no se convierte en parte o condición del documento adjunto.

GCERT2000 notice/childdef 3

NOTICE FOR RESIDENTS OF LOUISIANA, MINNESOTA, MONTANA, NEW MEXICO, TEXAS, AND UTAH The Definition Of Child Is Modified For The Coverages Listed Below: For Louisiana Residents (Accidental Death and Dismemberment Insurance): The term also includes Your grandchildren residing with You. The age limit for children and grandchildren will not be less than 26, regardless of the child’s or grandchild’s marital status, student status or full-time employment status. Your natural child, adopted child, stepchild or grandchild under age 26 will not need to be supported by You to qualify as a Child under this insurance. In addition, marital status will not prevent or cease the continuation of insurance for a mentally or physically handicapped child or grandchild past the age limit. For Minnesota Residents (Accidental Death and Dismemberment Insurance): The term also includes Your grandchildren who are financially dependent upon You and reside with You continuously from birth. The age limit for children and grandchildren will not be less than 25 regardless of the child’s or grandchild’s student status or full-time employment status. Your natural child, adopted child or stepchild under age 25 will not need to be supported by You to qualify as a Child under this insurance. For Montana Residents (Accidental Death and Dismemberment Insurance): The term also includes newborn infants of any person insured under this certificate. The age limit for children will not be less than 25, regardless of the child’s student status or full-time employment status. Your natural child, adopted child or stepchild under age 25 will not need to be supported by You to qualify as a child under this insurance. For New Mexico Residents (Accidental Death and Dismemberment Insurance): The age limit for children will not be less than 25, regardless of the child’s student status or full-time employment status. Your natural child, adopted child or stepchild will not be denied accidental death and dismemberment insurance coverage under this certificate because:

• that child was born out of wedlock; • that child is not claimed as Your dependent on Your federal income tax return; or • that child does not reside with You.

For Texas Residents (Life Insurance): The term also includes Your grandchildren. The age limit for children and grandchildren will not be less than 25, regardless of the child’s or grandchild’s student status or full-time employment status. Your natural child, adopted child or stepchild under age 25 will not need to be supported by You to qualify as a Child under this insurance. In addition, grandchildren must be able to be claimed by You as a dependent for Federal Income Tax purposes at the time You applied for Insurance. For Texas Residents (Accidental Death and Dismemberment Insurance): The term also includes Your grandchildren. The age limit for children and grandchildren will not be less than 25, regardless of the child’s or grandchild’s student status, full-time employment status or military service status. Your natural child, adopted child or stepchild under age 25 will not need to be supported by You to qualify as a Child under this insurance. In addition, grandchildren must be able to be claimed by You as a dependent for Federal Income Tax purposes at the time You applied for Insurance. For Utah Residents (Accidental Death and Dismemberment Insurance): The age limit for children will not be less than 26, regardless of the child’s student status or full-time employment status. Your natural child, adopted child or stepchild under age 26 will not need to be supported by You to qualify as a Child under this insurance.

GCERT2000 notice/abo/nw 4

NOTICE FOR RESIDENTS OF ALL STATES LIFE INSURANCE BENEFITS WILL BE REDUCED IF AN ACCELERATED BENEFIT IS PAID DISCLOSURE: The Life Insurance accelerated benefit offered under this certificate is intended to qualify for favorable tax treatment under the Internal Revenue Code of 1986. If this benefit qualifies for such favorable tax treatment, the benefit will be excludable from Your income and not subject to federal taxation. Tax laws relating to accelerated benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which You could receive an accelerated benefit excludable from income under federal law. DISCLOSURE: Receipt of an accelerated benefit may affect Your, Your Spouse’s or Your family’s eligibility for public assistance programs such as Medical Assistance (Medicaid), Aid to Families with Dependent Children (AFDC), Supplementary Social Security Income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such payment will affect Your, Your Spouse’s and Your family’s eligibility for public assistance.

GCERT2000 notice/ar 5

NOTICE FOR RESIDENTS OF ARKANSAS If You have a question concerning Your coverage or a claim, first contact the Policyholder or group account administrator. If, after doing so, You still have a concern, You may call the toll free telephone number shown on the Certificate Face Page. If You are still concerned after contacting both the Policyholder and MetLife, You should feel free to contact:

Arkansas Insurance Department Consumer Services Division

1200 West Third Street Little Rock, Arkansas 72201

(501) 371-2640 or (800) 852-5494

GCERT2000 6 notice/ca

NOTICE FOR RESIDENTS OF CALIFORNIA IMPORTANT NOTICE TO OBTAIN ADDITIONAL INFORMATION, OR TO MAKE A COMPLAINT, CONTACT THE POLICYHOLDER OR THE METLIFE CLAIM OFFICE SHOWN ON THE EXPLANATION OF BENEFITS YOU RECEIVE AFTER FILING A CLAIM. IF, AFTER CONTACTING THE POLICYHOLDER AND/OR METLIFE, YOU FEEL THAT A SATISFACTORY SOLUTION HAS NOT BEEN REACHED, YOU MAY FILE A COMPLAINT WITH THE CALIFORNIA INSURANCE DEPARTMENT AT:

DEPARTMENT OF INSURANCE 300 SOUTH SPRING STREET

LOS ANGELES, CA 90013 1 (800) 927-4357

GCERT2000 notice/ga 7

NOTICE FOR RESIDENTS OF GEORGIA IMPORTANT NOTICE The laws of the state of Georgia prohibit insurers from unfairly discriminating against any person based upon his or her status as a victim of family violence.

GCERT2000 notice/id 8

NOTICE FOR RESIDENTS OF IDAHO If You have a question concerning Your coverage or a claim, first contact the Policyholder. If, after doing so, You still have a concern, You may call the toll free telephone number shown on the Certificate Face Page. If You are still concerned after contacting both the Policyholder and MetLife, You should feel free to contact:

Idaho Department of Insurance Consumer Affairs

700 West State Street, 3rd Floor PO Box 83720

Boise, Idaho 83720-0043 1-800-721-3272 or www.DOI.Idaho.gov

GCERT2000 notice/il 9

NOTICE FOR RESIDENTS OF ILLINOIS IMPORTANT NOTICE

To make a complaint to MetLife, You may write to:

MetLife

200 Park Avenue New York, New York 10166

The address of the Illinois Department of Insurance is:

Illinois Department of Insurance

Public Services Division Springfield, Illinois 62767

GCERT2000 notice/ma 10

NOTICE FOR MASSACHUSETTS RESIDENTS CONTINUATION OF ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE 1. If Your AD&D Insurance ends due to a Plant Closing or Covered Partial Closing, such insurance will be

continued for 90 days after the date it ends. 2. If Your AD&D Insurance ends because:

• You cease to be in an Eligible Class; or • Your employment terminates;

for any reason other than a Plant Closing or Covered Partial Closing, such insurance will continue for 31 days after the date it ends. Continuation of Your AD&D Insurance under the CONTINUATION WITH PREMIUM PAYMENT subsection will end before the end of continuation periods shown above if You become covered for similar benefits under another plan. Plant Closing and Covered Partial Closing have the meaning set forth in Massachusetts Annotated Laws, Chapter 151A, Section 71A.

GCERT2000 notice/mn 11

NOTICE FOR RESIDENTS OF MINNESOTA This is a life insurance policy which pays accelerated death benefits at your option under conditions specified in the policy. This policy is not a long-term care policy meeting the requirements of sections M.S.62A.46 to 62A.56 or chapter 62S.

.

GCERT2000 notice/mo 12

NOTICE FOR RESIDENTS OF MISSOURI ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE EXCLUSIONS If You reside in Missouri the exclusion for "suicide or attempted suicide" is as follows: "suicide or attempted suicide while sane"

GCERT2000 notice/nm 13

NOTICE FOR RESIDENTS OF NEW MEXICO If a Child is insured for Accidental Death and Dismemberment Insurance under this certificate and You are not the custodial parent, notify Us that such is the case and provide Us with the name and address of the custodial parent. After receipt of such notice We will: (1) provide such information to the custodial parent as may be necessary for the Child to obtain benefits

through that insurance;

(2) permit the custodial parent or the provider, with the custodial parent's approval, to submit claims for covered services without the approval of the non-custodial parent; and

(3) make payments on claims submitted in accordance with Paragraph (2) of this subsection directly to the

custodial parent, the provider or the state Medicaid agency. If You are required by a court or administrative order to provide Accidental Death and Dismemberment Insurance for a Child, and You are eligible to provide such insurance for that child, We will: (1) permit You to enroll a Child who is otherwise eligible for such insurance without regard to any enrollment

season restrictions; (2) if You are enrolled but fail to make application to obtain insurance for such Child, We will enroll the Child

for insurance upon application of the Child's other parent, the state agency administering the Medicaid program or the state agency administering 42 U.S.C. Sections 651 through 669, the child support enforcement program; and

(3) We will not disenroll or eliminate insurance for such Child unless the insurer is provided satisfactory

written evidence that: (a) the court or administrative order is no longer in effect; or (b) the Child is or will be enrolled in comparable health insurance through another insurer that will take

effect not later than the effective date of disenrollment. We will not impose requirements on a state agency that has been assigned the rights of an individual eligible for medical assistance under the Medicaid program and insured for Accidental Death and Dismemberment Insurance with Us that are different from requirements applicable to an agent or assignee of any other individual so insured.

GCERT2000 notice/nc 14

NOTICE FOR RESIDENTS OF NORTH CAROLINA

Read your Certificate Carefully.

IMPORTANT CANCELLATION INFORMATION

Please Read The Provisions Entitled

DATE YOUR INSURANCE ENDS and DATE YOUR INSURANCE FOR YOUR DEPENDENTS ENDS

Found on Pages e/ee and e/dep

GCERT2000 notice/nc 15

NOTICE FOR RESIDENTS OF NORTH CAROLINA UNDER NORTH CAROLINA GENERAL STATUTE SECTION 58-50-40, NO PERSON, EMPLOYER, PRINCIPAL, AGENT, TRUSTEE, OR THIRD PARTY ADMINISTRATOR, WHO IS RESPONSIBLE FOR THE PAYMENT OF GROUP HEALTH OR LIFE INSURANCE OR GROUP HEALTH PLAN PREMIUMS, SHALL: (1) CAUSE THE CANCELLATION OR NONRENEWAL OF GROUP HEALTH OR LIFE INSURANCE,

HOSPITAL, MEDICAL, OR DENTAL SERVICE CORPORATION PLAN, MULTIPLE EMPLOYER WELFARE ARRANGEMENT, OR GROUP HEALTH PLAN COVERAGES AND THE CONSEQUENTIAL LOSS OF THE COVERAGES OF THE PERSONS INSURED, BY WILLFULLY FAILING TO PAY THOSE PREMIUMS IN ACCORDANCE WITH THE TERMS OF THE INSURANCE OR PLAN CONTRACT, AND

(2) WILLFULLY FAIL TO DELIVER, AT LEAST 45 DAYS BEFORE THE TERMINATION OF THOSE

COVERAGES, TO ALL PERSONS COVERED BY THE GROUP POLICY A WRITTEN NOTICE OF THE PERSON’S INTENTION TO STOP PAYMENT OF PREMIUMS. THIS WRITTEN NOTICE MUST ALSO CONTAIN A NOTICE TO ALL PERSONS COVERED BY THE GROUP POLICY OF THEIR RIGHTS TO HEALTH INSURANCE CONVERSION POLICIES UNDER ARTICLE 53 OF CHAPTER 58 OF THE GENERAL STATUTES AND THEIR RIGHTS TO PURCHASE INDIVIDUAL POLICIES UNDER THE FEDERAL HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT AND UNDER ARTICLE 68 OF CHAPTER 58 OF THE GENERAL STATUTES.

VIOLATION OF THIS LAW IS A FELONY. ANY PERSON VIOLATING THIS LAW IS ALSO SUBJECT TO A COURT ORDER REQUIRING THE PERSON TO COMPENSATE PERSONS INSURED FOR EXPENSES OR LOSSES INCURRED AS A RESULT OF THE TERMINATION OF THE INSURANCE.

GCERT2000 16 notice/pa

NOTICE FOR RESIDENTS OF PENNSYLVANIA Accidental Death and Dismemberment Insurance for a Dependent Child may be continued past the age limit if that Child is a full-time student and insurance ends due to the Child being ordered to active duty (other than active duty for training) for 30 or more consecutive days as a member of the Pennsylvania National Guard or a Reserve Component of the Armed Forces of the United States. Insurance will continue if such Child: • re-enrolls as a full-time student at an accredited school, college or university that is licensed in the

jurisdiction where it is located; • re-enrolls for the first term or semester, beginning 60 or more days from the child’s release from active

duty; • continues to qualify as a Child, except for the age limit; and • submits the required Proof of the child’s active duty in the National Guard or a Reserve Component of the

United Stated Armed Forces. Subject to the Date Insurance For Your Dependents Ends subsection of the section entitled ELIGIBILITY PROVISIONS: INSURANCE FOR YOUR DEPENDENTS, this continuation will continue until the earliest of the date: • the insurance has been continued for a period of time equal to the duration of the child’s service on active

duty; or • the child is no longer a full-time student.

NOTICE FOR RESIDENTS OF UTAH

GTY-NOTICE-UT-0710 17

Notice of Protection Provided by

Utah Life and Health Insurance Guaranty Association This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association ("the Association") and the protection it provides for policyholders. This safety net was created under Utah law, which determines who and what is covered and the amounts of coverage. The Association was established to provide protection in the unlikely event that your life, health, or annuity insurance company becomes financially unable to meet its obligations and is taken over by its insurance regulatory agency. If this should happen, the Association will typically arrange to continue coverage and pay claims, in accordance with Utah law, with funding from assessments paid by other insurance companies. The basic protections provided by the Association are:

• Life Insurance o $500,000 in death benefits o $200,000 in cash surrender or withdrawal values

• Health Insurance o $500,000 in hospital, medical and surgical insurance benefits o $500,000 in long-term care insurance benefits o $500,000 in disability income insurance benefits o $500,000 in other types of health insurance benefits

• Annuities o $250,000 in withdrawal and cash values

The maximum amount of protection for each individual, regardless of the number of policies or contracts, is $500,000. Special rules may apply with regard to hospital, medical and surgical insurance benefits. Note: Certain policies and contracts may not be covered or fully covered. For example, coverage does not extend to any portion of a policy or contract that the insurer does not guarantee, such as certain investment additions to the account value of a variable life insurance policy or a variable annuity contract. Coverage is conditioned on residency in this state and there are substantial limitations and exclusions. For a complete description of coverage, consult Utah Code, Title 3 lA, Chapter 28. Insurance companies and agents are prohibited by Utah law to use the existence of the Association or its coverage to encourage you to purchase insurance. When selecting an insurance company, you should not rely on Association coverage. If there is any inconsistency between Utah law and this notice, Utah law will control. To learn more about the above protections, as well as protections relating to group contracts or retirement plans, please visit the Association's website at www.utlifega.org or contact: Utah Life and Health Insurance Guaranty Assoc. Utah Insurance Department 60 East South Temple, Suite 500 3110 State Office Building Salt Lake City UT 84111 Salt Lake City UT 84114-6901 (801) 320-9955 (801) 538-3800

A written complaint about misuse of this Notice or the improper use of the existence of the Association may be filed with the Utah Insurance Department at the above address.

GCERT2000 notice/va 18

NOTICE FOR RESIDENTS OF VIRGINIA IMPORTANT INFORMATION REGARDING YOUR INSURANCE In the event You need to contact someone about this insurance for any reason please contact Your agent. If no agent was involved in the sale of this insurance, or if You have additional questions You may contact the insurance company issuing this insurance at the following address and telephone number:

MetLife 200 Park Avenue

New York, New York 10166 Attn: Corporate Customer Relations Department

To phone in a claim related question, You may call Claims Customer Service at:

1-800-275-4638

If You have been unable to contact or obtain satisfaction from the company or the agent, You may contact the Virginia State Corporation Commission’s Bureau of Insurance at:

The Office of the Managed Care Ombudsman Bureau of Insurance

P.O. Box 1157 Richmond, VA 23218

1-877-310-6560 - toll-free 1-804-371-9691 - locally

www.scc.virginia.gov - web address [email protected] - email

GCERT2000 notice/wi 19

NOTICE FOR RESIDENTS OF WISCONSIN

KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE? - If You are having problems with Your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve Your problem.

MetLife Attn: Corporate Consumer Relations Department

200 Park Avenue New York, NY 10166-0188

1-800-638-5433 You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforces Wisconsin’s insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting:

Office of the Commissioner of Insurance Complaints Department

P.O. Box 7873 Madison, WI 53707-7873

1-800-236-8517 outside of Madison or 608-266-0103 in Madison.

TABLE OF CONTENTS Section Page

GCERT2000 toc 20

CERTIFICATE FACE PAGE.............................................................................................................................. 1

NOTICES ........................................................................................................................................................... 2

SCHEDULE OF BENEFITS............................................................................................................................. 22

DEFINITIONS .................................................................................................................................................. 36

ELIGIBILITY PROVISIONS: INSURANCE FOR YOU..................................................................................... 40

Eligible Classes ............................................................................................................................................ 40

Date You Are Eligible for Insurance ............................................................................................................. 40

Enrollment Process ...................................................................................................................................... 41

Date Your Insurance Takes Effect ............................................................................................................... 41

Date Your Insurance Ends ........................................................................................................................... 44

ELIGIBILITY PROVISIONS: INSURANCE FOR YOUR DEPENDENTS ........................................................ 45

Eligible Classes For Dependent Insurance .................................................................................................. 45

Date You Are Eligible For Dependent Insurance ......................................................................................... 45

Enrollment Process ...................................................................................................................................... 45

Date Insurance Takes Effect For Your Dependents .................................................................................... 45

Date Your Insurance For Your Dependents Ends........................................................................................ 48

CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT ................................................................... 49

For Mentally or Physically Handicapped Children........................................................................................ 49

For Family And Medical Leave..................................................................................................................... 49

AT YOUR OPTION: PORTABILITY ............................................................................................................. 49

At The Policyholder's Option ........................................................................................................................ 52

EVIDENCE OF INSURABILITY ....................................................................................................................... 53

LIFE INSURANCE: FOR YOU......................................................................................................................... 55

LIFE INSURANCE: FOR YOUR DEPENDENTS............................................................................................. 56

LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU................................................... 57

LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOUR SPOUSE ................................ 59

LIFE INSURANCE: CONVERSION OPTION FOR YOU................................................................................. 61

TABLE OF CONTENTS (continued) Section Page

GCERT2000 toc 21

LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS .................................................... 63

ELIGIBILITY FOR EXTENSION OF BASIC, EMPLOYEE OR SUPPLEMENTAL LIFE INSURANCE WHILE

YOU ARE TOTALLY DISABLED ..................................................................................................................... 65

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE..................................................................... 67

ADDITIONAL BENEFIT: SEAT BELT USE.................................................................................................. 69

ADDITIONAL BENEFIT: AIR BAG USE....................................................................................................... 70

ADDITIONAL BENEFIT: CHILD CARE........................................................................................................ 71

ADDITIONAL BENEFIT: CHILD EDUCATION............................................................................................. 72

ADDITIONAL BENEFIT: SPOUSE EDUCATION ........................................................................................ 73

ADDITIONAL BENEFIT: HOSPITAL CONFINEMENT ................................................................................ 74

ADDITIONAL BENEFIT: COBRA CONTINUATION .................................................................................... 75

FILING A CLAIM .............................................................................................................................................. 76

GENERAL PROVISIONS................................................................................................................................. 77

Assignment................................................................................................................................................... 77

Beneficiary.................................................................................................................................................... 77

Suicide.......................................................................................................................................................... 78

Entire Contract.............................................................................................................................................. 78

Incontestability: Statements Made by You ................................................................................................... 79

Misstatement of Age..................................................................................................................................... 79

Conformity with Law ..................................................................................................................................... 79

Physical Exams ............................................................................................................................................ 79

Autopsy......................................................................................................................................................... 79

SCHEDULE OF BENEFITS

GCERT2000 sch 22

This schedule shows the benefits that are available under the Group Policy. You and Your Dependents will only be insured for the benefits: • for which You and Your Dependents become and remain eligible;

• which You elect, if subject to election; and

• which are in effect. The amount of Insurance that We will pay will be decreased by the amount of any contributions due and unpaid to Us for that insurance. BENEFIT BENEFIT AMOUNTS AND HIGHLIGHTS Life Insurance For You For Employees hired on and after January 1, 2011, or Employees who transitioned from part-time to Full-Time status on or after January 1, 2011: You may enroll in the Basic Life and/or Supplemental Life Insurance plan (Option 1), or instead enroll in the Employee Life Insurance plan (Option 2). If You elect to enroll in the Basic Life and/or Supplemental Life Insurance plan (Option 1), the Employee Life Insurance plan (Option 2) will not be subsequently available to You as an election option. If You elect to enroll in the Employee Life Insurance plan (Option 2), the Basic Life and/or Supplemental Life Insurance plan (Option 1) will continue to be available to You as an election option, however, the Employee Life Insurance plan (Option 2) will terminate when Your Basic Life and/or Supplemental Life Insurance plan takes effect. If You discontinue Your Employee Life Insurance (Option 2) at any time, you will not be able to re-enroll for such insurance at a later date. If You choose to enroll in the Employee Life Insurance plan (Option 2), You must complete the required form in Writing within 60 days of the date you become eligible for such insurance. If you do not complete the required form within 60 days of the date You become eligible for Employee Life Insurance (Option 2), You will not be covered for Employee Life Insurance nor will You be able to enroll for such insurance at a later date. For Employees hired prior to January 1, 2011, or Employees who transitioned from part-time to Full-Time status prior to January 1, 2011: If You are currently enrolled in the Basic Life and/or Supplemental Life Insurance plan (Option 1), and You did not elect to enroll in the Employee Life Insurance plan (Option 2) during the special enrollment period offered by the Policyholder, then the Employee Life Insurance plan (Option 2) is not available to You as an election option. If You are currently enrolled in the Employee Life Insurance plan (Option 2), the Basic Life and/or Supplemental Life Insurance plan (Option 1) will continue to be available to You as an election option, however, the Employee Life Insurance plan (Option 2) will terminate when Your Basic Life and/or Supplemental Life Insurance plan takes effect. If You discontinue Your Employee Life Insurance (Option 2) at any time, you will not be able to re-enroll for such insurance at a later date.

SCHEDULE OF BENEFITS (continued)

GCERT2000 sch 23

Basic Life Insurance (Option 1) Basic Life Insurance is Portability Eligible Insurance For Active Employees, except In Home Sales Specialists, who elect:

For Active Employees................................................... An amount equal to 1 times Your Basic Annual Earnings, rounded to the nearest $1,000

Maximum Basic Life Benefit ........................................ $500,000

Accelerated Benefit Option ............................................... Up to 50% of Your Basic Life amount not to exceed $250,000

For In Home Sales Specialists who elect:

For Active Employees................................................... $50,000

Accelerated Benefit Option ............................................... Up to 50% of Your Basic Life amount not to exceed $25,000

Supplemental Life Insurance (Option 1) Supplemental Life Insurance is Portability Eligible Insurance For Active Employees who elect:

Option 1 ............................................................................. An amount equal to 1 times Your

Basic Annual Earnings, rounded to the nearest $1,000

Option 2 ........................................................................ An amount equal to 2 times Your Basic Annual Earnings, rounded to the nearest $1,000

Option 3 ............................................................................. An amount equal to 3 times Your Basic Annual Earnings, rounded to the nearest $1,000

Option 4 ..................................................................... An amount equal to 4 times Your Basic Annual Earnings, rounded to the nearest $1,000



GCERT2000 sch 24

Option 6 ........................................................................ An amount equal to 6 times Your

Basic Annual Earnings, rounded to the nearest $1,000



Maximum Supplemental Life Benefit ............................ $3,000,000

Non-Medical Issue Amount............................................... The lesser of 3 times Your Basic

Annual Earnings or $500,000

Accelerated Benefit Option ............................................... Up to 50% of Your Supplemental Life amount not to exceed $750,000

Combined Basic Life and Supplemental Life Maximum Accelerated Benefit Option ..............................

$750,000

If You Are Age 65 Or Older If You are over age 65 but under age 70 on Your effective date of insurance, the amounts of Your Basic Life Insurance and Supplemental Life Insurance on Your effective date of insurance will be limited to 65% of such amount. On and after Your 70th birthday, the amount of such insurance will be 50% of the amount of such insurance in effect on the effective date of Your insurance. If You are age 70 or older on the effective date of Your insurance, the amounts of Your Basic Life insurance and Supplemental Life Insurance on Your effective date of insurance will be limited to 50% of such amount. If You are under age 65 on the effective date of Your insurance, the amounts of Your Basic Life Insurance and Supplemental Life Insurance on and after age 65 will be 65% of such insurance in effect on the day before Your 65th birthday. On and after Your 70th birthday, the amount of such insurance will be 50% of the amount of such insurance in effect on the before Your 65th birthday.

Employee Life Insurance (Option 2) Employee Life Insurance is Portability Eligible Insurance For Active Employees who elect:

For Active Employees................................................... $10,000


GCERT2000 sch 25

ESTATE RESOLUTION SERVICES The following Estate Resolution Services are provided at no additional cost to individuals insured for Group Basic, Employee and Supplemental Life Insurance coverage as described below. If You are eligible to receive these Estate Resolution Services and You or Your Spouse (for the Will Preparation Service) or You or a Beneficiary (for the Probate Service) would like to speak with a representative from Hyatt Legal Services or get the name of a Plan Attorney that you can speak with about these Services, please call (800) 821-6400. THE FOLLOWING APPLIES TO RESIDENTS OF ALL STATES OTHER THAN TEXAS Will Preparation Service If You elect Group Basic, Employee or Supplemental Life Insurance coverage, a will preparation service (the “Service”) will be made available to You, through a MetLife affiliate (the “Affiliate”), while Your Group Basic, Employee and Supplemental Life Insurance coverage is in effect. This Service will be made available at no cost to You. It enables You to have a will prepared for You and Your Spouse free of charge by attorneys designated by the Affiliate. If You have a will prepared by an attorney not designated by the Affiliate, You must pay for the attorney’s services directly. Upon Proof of such payment, You will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount You paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate. Probate Service If You become insured for Group Basic, Employee or Supplemental Life Insurance coverage and die while such Group Basic, Employee and Supplemental Life Insurance coverage is in effect, a probate benefit (the “Benefit”) will be made available to Your estate, through a MetLife affiliate (“Affiliate”). The Benefit provides for certain probate services to be made available upon Your death, free of charge by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, Your estate must pay for those attorney’s services directly. Upon Proof of such payment, Your estate will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount Your estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate. This Benefit will be provided at no cost to You and will end on the date Your Group Basic, Employee and Supplemental Life Insurance coverage ends. THE FOLLOWING APPLIES TO RESIDENTS OF TEXAS ONLY Will Preparation Service If You elect Group Basic, Employee or Supplemental Life Insurance coverage, a Will Preparation Service (the “Service”) will be made available to You through a MetLife affiliate (the “Affiliate”), as agreed to by the Policyholder and MetLife, while Your Group Basic, Employee and Supplemental Life Insurance coverage is in effect under this Policy. Will Preparation Service means a service covering the preparation of wills and codicils for You and Your Spouse. The creation of any testamentary trust is covered. The Will Preparation Service does not include tax planning.


GCERT2000 sch 26

This Service will be made available at no cost to You. It enables You to have a will prepared for You and Your Spouse free of charge by attorneys designated by the Affiliate. If You have a will prepared by an attorney not designated by the Affiliate, You must pay for the attorney’s services directly. Upon Proof of such payment, You will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount You paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate. Probate Service If You become insured for Group Basic, Employee or Supplemental Life Insurance coverage and die while such Group Basic, Employee and Supplemental Life Insurance coverage is in effect, a probate benefit (the “Benefit”) will be made available to Your estate, through a MetLife affiliate (“Affiliate”). The Benefit includes attorney representation and payment of legal fees for the executor or administrator of insured employee’s estate including representation for the preparation of all documents and all of the court proceedings needed to transfer probate assets from the estate to insured employee’s heirs; and the completion of correspondence necessary to transfer non-probate assets such as proceeds from insurance policies, joint bank accounts, stock accounts or a house; and associated tax filings. The Benefit provides for such services to be made available upon Your death, free of charge by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, Your estate must pay for those attorney’s services directly. Upon Proof of such payment, Your estate will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount Your estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate. This Benefit will be provided at no cost to You and will end on the date Your Group Basic, Employee and Supplemental Life Insurance coverage ends.


GCERT2000 sch 27

Accidental Death and Dismemberment Insurance (AD&D) for You

Full Amount for Voluntary AD&D

Voluntary Accidental Death and Dismemberment Insurance is NOT Portability Eligible Insurance For Active Employees who elect:

Option 1 .............................................................................. $10,000 Option 2 .............................................................................. $25,000 Option 3 .............................................................................. $50,000 Option 4 .............................................................................. $75,000 Option 5 .............................................................................. $100,000 Option 6 .............................................................................. $125,000 Option 7 .............................................................................. $150,000 Option 8 .............................................................................. $175,000 Option 9 .............................................................................. $200,000 Option 10 ............................................................................ $225,000 Option 11 ............................................................................ $250,000 Option 12 ............................................................................ $275,000 Option 13 ............................................................................ $300,000 Option 14 ............................................................................ $400,000 Option 15 ............................................................................ $500,000 Option 16 ............................................................................ $600,000 Option 17 ............................................................................ $700,000 Option 18 ............................................................................ $800,000 Option 19 ............................................................................ $900,000 Option 20 ............................................................................ $1,000,000

Maximum Voluntary Accidental Death and Dismemberment Full Amount ........................................

The lesser of 10 times Your Basic Annual Earnings or $1,000,000

Additional Benefits: Seat Belt Benefit........................................................... Yes

Child Care Benefit ......................................................... Yes

Child Education Benefit ................................................. Yes

Spouse Education Benefit ............................................. Yes

Hospital Confinement Benefit ........................................ Yes

COBRA Continuation Benefit......................................... Yes


GCERT2000 sch 28

Schedule of Covered Losses for Voluntary Accidental Death and Dismemberment Insurance All amounts listed are stated as percentages of the Full Amount. Covered Losses

Loss of life ................................................................................... 100% Loss of a hand permanently severed at or above the wrist but below the elbow...........................................................................

50%

Loss of a foot permanently severed at or above the ankle but below the knee ............................................................................

50%

Loss of an arm permanently severed at or above the elbow ...... 50% Loss of a leg permanently severed at or above the knee ........... 50% Loss of sight in one eye............................................................... 50%

Loss of sight means permanent and uncorrectable loss of sight in the eye. Visual acuity must be 20/200 or worse in the eye or the field of vision must be less than 20 degrees.

Loss of any combination of hand, foot, or sight of one eye, as defined above..............................................................................

100%

Loss of the thumb and index finger of same hand ...................... 25% Loss of thumb and index finger of same hand means that the thumb and index finger are permanently severed through or above the third joint from the tip of the index finger and the second joint from the tip of the thumb.

Loss of speech and loss of hearing in both ears......................... 100% Loss of speech or loss of hearing in both ears............................ 50% Loss of hearing in one ear........................................................... 25%

Loss of speech means the entire and irrecoverable loss of speech that continues for 6 consecutive months following the accidental injury. Loss of hearing means the entire and irrecoverable loss of hearing that continues for 6 consecutive months following the accidental injury.

Paralysis of both arms and both legs .......................................... 100% Paralysis of both legs .................................................................. 100% Paralysis of the arm and leg on either side of the body .............. 100% Paralysis of one arm or leg.......................................................... 50%

Paralysis means loss of use of a limb, without severance. A Physician must determine the paralysis to be permanent, complete and irreversible.

Brain Damage ............................................................................. 100%


GCERT2000 sch 29

Brain Damage means permanent and irreversible physical damage to the brain causing the complete inability to perform all the substantial and material functions and activities normal to everyday life. Such damage must manifest itself within 60 days of the accidental injury, require a hospitalization of at least 5 days and persists for 12 consecutive months after the date of the accidental injury.

Coma........................................................................................... 2% monthly beginning on the 31st day of the Coma for the duration of the Coma to a maximum of 100 months

Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused. Such state must begin within 30 days of the accidental injury and continue for 31 consecutive days.

If You Are Age 70 Or Older If You are age 70 or older on Your effective date of insurance, the amounts of Your Voluntary Accidental Death and Dismemberment Insurance on Your effective date of insurance will be limited to $100,000. If You are under age 70 on the effective date of Your Voluntary Accidental Death and Dismemberment Insurance, January 1st of the year following the year in which You attain age 70, the amounts of Your Voluntary Accidental Death and Dismemberment Insurance will be the lesser of the amount of such insurance in effect on the last day of the calendar year in which You attained age 70 or $100,000.


GCERT2000 sch 30

Life Insurance For Your Dependents Life Insurance for Your Dependents is Portability Eligible Insurance For Active Employees who also elect Basic Life and/or Supplemental Life Insurance:

For Your Spouse........................................................... An amount, elected by You, which is a multiple of $25,000

Maximum Spouse Dependent Life Benefit ................... $250,000

Non-Medical Issue Amount........................................... $25,000

Accelerated Benefit Option ........................................... Up to 50% of Your Dependent Life amount not to exceed $125,000

For each of Your Children

For Active Employees who also elect Basic Life and/or Supplemental Life Insurance: Option 1 ........................................................................ $5,000 Option 2 ........................................................................ $10,000 Option 3 ........................................................................ $20,000 Maximum Child Dependent Life Benefit ....................... $20,000

If Your Spouse Is Age 65 Or Older If Your Spouse is over age 65 but under age 70 on the effective date of Dependent Life Insurance, the amounts of Dependent Life Insurance on the effective date of Dependent Life Insurance will be limited to 65% of such amount. On and after Your Spouse’s 70th birthday, the amount of such insurance will be 50% of the amount of such insurance in effect on the effective date of Dependent Life Insurance. If Your Spouse is age 70 or older on the effective date of Dependent Life Insurance, the amounts of Dependent Life Insurance on the effective date of Dependent Life Insurance will be limited to 50% of such amount. If Your Spouse is under age 65 on the effective date of Dependent Life Insurance, the amounts of Dependent Life Insurance on and after age 65 will be 65% of such insurance in effect on the day before Your Spouse’s 65th birthday. On and after Your Spouse’s 70th birthday, the amount of such insurance will be 50% of the amount of such insurance in effect on the before Your Spouse’s 65th birthday.


GCERT2000 sch 31

Accidental Death and Dismemberment Insurance (AD&D) For Your Dependents

Full Amount for Voluntary AD&D Voluntary Accidental Death and Dismemberment Insurance is NOT Portability Eligible Insurance For Active Employees who elect:

Spouse and Child(ren) ........................................... An amount equal to: (a) 80% for Your Spouse Only; and (b) 15% for each Child; of Your Voluntary Accidental Death and Dismemberment Insurance

Spouse Maximum.............................................................. $500,000 Child Maximum .................................................................. $100,000

Spouse Only ........................................................ An amount equal to 100% of Your

Voluntary Accidental Death and Dismemberment Insurance

Spouse Maximum.............................................................. $500,000 For each of Your Children Child(ren) Only.............................................................. An amount equal to 25% of Your

Voluntary Accidental Death and Dismemberment Insurance for each Child

Child Maximum ............................................................. $100,000 Schedule of Covered Losses for Voluntary Accidental Death and Dismemberment Insurance All amounts listed are stated as percentages of the Full Amount. Covered Losses Loss of life................................................................................... 100% Loss of a hand permanently severed at or above the wrist but below the elbow ..........................................................................

50%

Loss of a foot permanently severed at or above the ankle but below the knee............................................................................

50%

Loss of an arm permanently severed at or above the elbow...... 50% Loss of a leg permanently severed at or above the knee........... 50% Loss of sight in one eye .............................................................. 50%

Loss of sight means permanent and uncorrectable loss of sight in the eye. Visual acuity must be 20/200 or worse in the eye or the field of vision must be less than 20 degrees.


GCERT2000 sch 32

Loss of any combination of hand, foot, or sight of one eye, as defined above .............................................................................

100%

Loss of the thumb and index finger of same hand...................... 25% Loss of thumb and index finger of same hand means that the thumb and index finger are permanently severed through or above the third joint from the tip of the index finger and the second joint from the tip of the thumb.

Loss of speech and loss of hearing in both ears ........................ 100% Loss of speech or loss of hearing in both ears ........................... 50% Loss of hearing in one ear .......................................................... 25%

Loss of speech means the entire and irrecoverable loss of speech that continues for 6 consecutive months following the accidental injury. Loss of hearing means the entire and irrecoverable loss of hearing that continues for 6 consecutive months following the accidental injury.

Paralysis of both arms and both legs.......................................... 100% Paralysis of both legs.................................................................. 100% Paralysis of the arm and leg on either side of the body.............. 100% Paralysis of one arm or leg ......................................................... 50%

Paralysis means loss of use of a limb, without severance. A Physician must determine the paralysis to be permanent, complete and irreversible.

Brain Damage ............................................................................. 100% Brain Damage means permanent and irreversible physical damage to the brain causing the complete inability to perform all the substantial and material functions and activities normal to everyday life. Such damage must manifest itself within 60 days of the accidental injury, require a hospitalization of at least 5 days and persists for 12 consecutive months after the date of the accidental injury.

Coma........................................................................................... 2% monthly beginning on the 31st day of the Coma for the duration of the Coma to a maximum of 100 months.

Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused. Such state must begin within 30 days of the accidental injury and continue for 31 consecutive days.


GCERT2000 sch 33

If Your Spouse Is Age 70 Or Older If Your Spouse is age 70 or older on the effective date of Voluntary Accidental Death and Dismemberment Insurance, the amounts of Voluntary Accidental Death and Dismemberment Insurance on the effective date of such insurance will be limited to $100,000. If Your Spouse is under age 70 on the effective date of Voluntary Accidental Death and Dismemberment Insurance for Your Dependents, January 1st of the year following the year in which Your Spouse attains age 70, the amounts of Voluntary Accidental Death and Dismemberment Insurance for Your Dependents will be the lesser of the amount of such insurance in effect on the last day of the calendar year in which Your Spouse attained age 70 or $100,000.


GCERT2000 sch 34

Life Insurance For You Portability Eligible Life Insurance In any combination of Basic Life, Employee Life and Supplemental Life Insurance: Minimum Portability Eligible Life Insurance Amount ..................... $10,000 Maximum Portability Eligible Life Insurance Amount ....................

The lesser of Your total Life Insurance in effect on the date You elect to Port or $2,000,000.

If Your Portability Eligible Insurance ends due to the end of the Group Policy or the amendment of the Group Policy to end the Portability Eligible Insurance for an eligible class of which You are a member, the maximum amount of insurance that You may Port is the lesser of: • the amount of Your Portability Eligible Insurance that ends under the Group Policy less the amount of

life insurance for which You become eligible under any group policy issued to replace this Group Policy; or

• $10,000. Life Insurance For Your Spouse Portability Eligible Dependent Spouse Insurance When Porting Dependent Spouse Insurance along with Insurance for You: Minimum Portability Eligible Dependent Spouse Life Insurance Amount...................................

$2,500

Maximum Portability Eligible Dependent Spouse Life Insurance Amount...................................

The lesser of Your total Dependent Spouse Life Insurance in effect on the date You elect to Port or $250,000.

When Porting Dependent Spouse Insurance alone: Minimum Portability Eligible Dependent Spouse Life Insurance Amount...................................

$10,000

Maximum Portability Eligible Dependent Spouse Life Insurance Amount...................................

The lesser of Your total Dependent Spouse Life Insurance in effect on the date You elect to Port or $250,000.


GCERT2000 sch 35

If Your Portability Eligible Insurance or Your Portability Eligible Dependent Insurance ends due to the end of the Group Policy or the amendment of the Group Policy to end the Portability Eligible Insurance or Your Portability Eligible Dependent Insurance for an eligible class of which You are a member, the maximum amount of insurance that You may Port is the lesser of: • the amount of Your Portability Eligible Insurance or Portability Eligible Dependent Insurance that ends

under the Group Policy less the amount of life insurance for which You become eligible under any group policy issued to replace this Group Policy; or

• $10,000. Life Insurance For Your Children Portability Eligible Dependent Child Insurance Minimum Portability Eligible Dependent Child Life Insurance Amount.......................................

$1,000

Maximum Portability Eligible Dependent Child Life Insurance Amount.......................................

The lesser of Your total Dependent Child Life Insurance in effect on the date You elect to Port or $25,000.

If Your Portability Eligible Insurance or Your Portability Eligible Dependent Insurance ends due to the end of the Group Policy or the amendment of the Group Policy to end the Portability Eligible Insurance or Your Portability Eligible Dependent Insurance for an eligible class of which You are a member, the maximum amount of insurance that You may Port is the lesser of: • the amount of Your Portability Eligible Insurance or Portability Eligible Dependent Insurance that ends

under the Group Policy less the amount of life insurance for which You become eligible under any group policy issued to replace this Group Policy; or

• $10,000.

DEFINITIONS

GCERT2000 def as amended by GCR09-07 dp 36

As used in this certificate, the terms listed below will have the meanings set forth below. When defined terms are used in this certificate, they will appear with initial capitalization. The plural use of a term defined in the singular will share the same meaning. Actively at Work or Active Work means that You are performing all of the usual and customary duties of Your job on a Full-Time basis. This must be done at: • the Policyholder’s place of business;

• an alternate place approved by the Policyholder; or

• a place to which the Policyholder’s business requires You to travel. You will be deemed to be Actively at Work during weekends or Policyholder approved vacations, holidays or business closures if You were Actively at Work on the last scheduled work day preceding such time off. Basic Annual Earnings means Your gross annual rate of pay as determined by Your Policyholder, excluding overtime, commissions, bonuses and other extra pay. Beneficiary means the person(s) to whom We will pay insurance as determined in accordance with the GENERAL PROVISIONS section. Child means the following: (for residents of Louisiana, Minnesota, Montana, New Mexico, Texas, and Utah, the Child Definition is modified as explained in the notice pages of this certificate - please consult the Notice) for Life Insurance, Your natural child; Your adopted child (including a child from the date of placement with the adopting parents until the legal adoption); Your stepchild (including the child of a Domestic Partner); or a child who resides with You and for whom You are the legally appointed guardian; and who, in each case, is at least 14 days old, under age 26 and supported by You. The term does not include any person who: • is on active duty in the military of any country or international authority; however, active duty for this

purpose does not include weekend or summer training for the reserve forces of the United States, including the National Guard; or

• is insured under the Group Policy as an employee. for Voluntary Accidental Death and Dismemberment Insurance, Your natural child; Your adopted child (including a child from the date of placement with adopting parents until the legal adoption); Your stepchild (including the child of a Domestic Partner); a child who resides with You and for whom You are the legally appointed guardian; or a foster child who resides with You; and who, in each case is under age 26 and supported by You. A foster child includes a child who has been placed in Your physical custody as the appointed guardian or custodian as long as You have assumed the legal obligation for total or partial support of the foster child with the intent that the foster child reside with You on more than a temporary or short-term basis. The term does not include any person who: • is on active duty in the military of any country or international authority; however, active duty for this


• is insured under the Group Policy as an employee. Common Carrier means a government regulated entity that is in the business of transporting fare paying passengers.

DEFINITIONS (continued)


The term does not include: • chartered or other privately arranged transportation;

• taxis; or

• limousines. Contributory Insurance means insurance for which the Policyholder requires You to pay any part of the premium. Contributory Insurance includes: Basic Life Insurance, Employee Life Insurance, Supplemental Life Insurance, Voluntary Accidental Death and Dismemberment Insurance and Dependent Life Insurance. Dependent(s) means Your Spouse and/or Child. Domestic Partner means each of two people, one of whom is an Employee of the Policyholder, who: • have registered as each other’s domestic partner, civil union partner or reciprocal beneficiary with a

government agency where such registration is available; or

• are of the same or opposite sex and have a mutually dependent relationship so that each has an insurable interest in the life of the other. Each person must be:

1. 18 years of age or older; 2. unmarried; 3. the sole domestic partner of the other person and have been so for the immediately preceding 12

months; 4. sharing a primary residence with the other person and have been so sharing for the immediately

preceding 12 months; and 5. not related to the other in a manner that would bar their marriage in the jurisdiction in which they

reside. A Domestic Partner declaration attesting to the existence of an insurable interest in one another’s lives must be completed and Signed by the Employee. Full-Time means Active Work on the Policyholder's regular work schedule for the eligible class of employees to which You belong. The work schedule must be at least 30 hours a week. Part-time employees, seasonal employees, temporary employees and independent contractors are excluded. Hospital means a facility which is licensed as such in the jurisdiction in which it is located and: • provides a broad range of medical and surgical services on a 24 hour a day basis for injured and sick

persons by or under the supervision of a staff of Physicians; and

• provides a broad range of nursing care on a 24 hour a day basis by or under the direction of a registered professional nurse.

Hospitalized means: • admission for inpatient care in a Hospital;

• receipt of care in the following:

• a hospice facility;

• an intermediate care facility; or

• a long term care facility; or

• receipt of the following treatment, wherever performed:



• chemotherapy;

• radiation therapy; or

• dialysis.

Physician means: • a person licensed to practice medicine in the jurisdiction where such services are performed; or

• any other person whose services, according to applicable law, must be treated as Physician’s services for purposes of the Group Policy. Each such person must be licensed in the jurisdiction where he performs the service and must act within the scope of that license. He must also be certified and/or registered if required by such jurisdiction.

The term does not include:

• You;

• Your Spouse; or

• any member of Your immediate family including Your and/or Your Spouse’s:

• parents;

• children (natural, step or adopted);

• siblings;

• grandparents; or

• grandchildren.

Proof means Written evidence satisfactory to Us that a person has satisfied the conditions and requirements for any benefit described in this certificate. When a claim is made for any benefit described in this certificate, Proof must establish: • the nature and extent of the loss or condition;

• Our obligation to pay the claim; and

• the claimant’s right to receive payment. Proof must be provided at the claimant's expense. Signed means any symbol or method executed or adopted by a person with the present intention to authenticate a record, which is on or transmitted by paper or electronic media which is acceptable to Us and consistent with applicable law. Spouse means Your lawful spouse. Wherever the term "Spouse" appears in the certificate it shall, unless otherwise specified, be read to include Your Domestic Partner. The term does not include any person who:

• is on active duty in the military of any country or international authority; however, active duty for this purpose does not include weekend or summer training for the reserve forces of the United States, including the National Guard; or

• is insured under the Group Policy as an employee. We, Us and Our mean MetLife. Written or Writing means a record which is on or transmitted by paper or electronic media which is acceptable to Us and consistent with applicable law.



You and Your mean an employee who is insured under the Group Policy for the insurance described in this certificate.

ELIGIBILITY PROVISIONS: INSURANCE FOR YOU

GCERT2000 e/ee 40

ELIGIBLE CLASS(ES)

All Full-Time employees of the Policyholder. For Employees hired on and after January 1, 2011, or Employees who transitioned from part-time to Full-Time status on or after January 1, 2011: You may enroll in the Basic Life and/or Supplemental Life Insurance plan (Option 1), or instead enroll in the Employee Life Insurance plan (Option 2). If You elect to enroll in the Basic Life and/or Supplemental Life Insurance plan (Option 1), the Employee Life Insurance plan (Option 2) will not be subsequently available to You as an election option. If You elect to enroll in the Employee Life Insurance plan (Option 2), the Basic Life and/or Supplemental Life Insurance plan (Option 1) will continue to be available to You as an election option, however, the Employee Life Insurance plan (Option 2) will terminate when Your Basic Life and/or Supplemental Life Insurance plan takes effect. If You discontinue Your Employee Life Insurance (Option 2) at any time, you will not be able to re-enroll for such insurance at a later date. If You choose to enroll in the Employee Life Insurance plan (Option 2), You must complete the required form in Writing within 60 days of the date you become eligible for such insurance. If you do not complete the required form within 60 days of the date You become eligible for Employee Life Insurance (Option 2), You will not be covered for Employee Life Insurance nor will You be able to enroll for such insurance at a later date. For Employees hired prior to January 1, 2011, or Employees who transitioned from part-time to Full-Time status prior to January 1, 2011: If You are currently enrolled in the Basic Life and/or Supplemental Life Insurance plan (Option 1), and You did not elect to enroll in the Employee Life Insurance plan (Option 2) during the special enrollment period offered by the Policyholder, then the Employee Life Insurance plan (Option 2) is not available to You as an election option. If You are currently enrolled in the Employee Life Insurance plan (Option 2), the Basic Life and/or Supplemental Life Insurance plan (Option 1) will continue to be available to You as an election option, however, the Employee Life Insurance plan (Option 2) will terminate when Your Basic Life and/or Supplemental Life Insurance plan takes effect. If You discontinue Your Employee Life Insurance (Option 2) at any time, you will not be able to re-enroll for such insurance at a later date. DATE YOU ARE ELIGIBLE FOR INSURANCE You may only become eligible for the insurance available for Your eligible class as shown in the SCHEDULE OF BENEFITS. You will be eligible for insurance described in this certificate on the later of: 1. January 1, 2011; and 2. Your date of hire or, the date You transition from part-time to Full-Time status.

ELIGIBILITY PROVISIONS: INSURANCE FOR YOU (continued)

GCERT2000 e/ee 41

Previous Employment With The Policyholder If You were employed by the Policyholder and insured by Us under a policy of group life insurance when Your employment ended, You will not be eligible for life insurance under this Group Policy if You are re-hired by the Policyholder within 2 years after such employment ended, unless You surrender: • any individual policy of life insurance to which You converted when Your employment ended; and

• any certificate of insurance continued as ported insurance when such employment ended. The cash value, if any, of such surrendered insurance will be paid to You. ENROLLMENT PROCESS For Basic Life Insurance, Supplemental Life Insurance and Voluntary Accidental Death and Dismemberment Insurance: If You are eligible for Contributory Basic Life Insurance, Supplemental Life Insurance and Voluntary Accidental Death and Dismemberment Insurance, You may enroll for such insurance by completing the required form. In addition, You must give evidence of Your Insurability satisfactory to Us at Your expense if You are required to do so under the section entitled EVIDENCE OF INSURABILITY. If You enroll for Basic Life Insurance, Supplemental Life Insurance and Voluntary Accidental Death and Dismemberment Insurance, You must also give the Policyholder Written permission to deduct premiums from Your pay for such insurance. You will be notified by the Policyholder how much You will be required to contribute. For Employee Life Insurance: If You are eligible for Contributory Employee Life Insurance, You may enroll for such insurance by completing the required form in Writing within 60 days of the date you become eligible for such insurance. If you do not complete the required form within 60 days of the date You become eligible for Employee Life Insurance, You will not be covered for Employee Life Insurance nor will You be able to enroll for such insurance at a later date. You are not required to provide evidence of Your Insurability for Employee Life Insurance. If You enroll for Employee Life Insurance, You must also give the Policyholder Written permission to deduct premiums from Your pay for such insurance. You will be notified by the Policyholder how much You will be required to contribute. DATE YOUR INSURANCE TAKES EFFECT Rules for Contributory Insurance If You request Contributory Basic Life Insurance, Supplemental Life Insurance, Employee Life Insurance and Voluntary Accidental Death and Dismemberment Insurance before the date You become eligible for such insurance, such insurance will take effect as follows: • if You are not required to give evidence of Your insurability, such insurance will take effect 90 days

following the date You become eligible, provided You are Actively at Work on that date. If You transitioned from part-time to Full-Time status and if You are not required to give evidence of Your insurability, such insurance will take effect the later of 90 days following Your date of hire or the date of Your request.


GCERT2000 e/ee 42

• if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the later of 90 days following the date You become eligible or the date We state in Writing, provided You are Actively at Work on that date. If You transitioned from part-time to Full-Time status and if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the later of 90 days following Your date of hire or the date We state in Writing, provided You are Actively at Work on that date. You are not required to give evidence of Your insurability for Voluntary Accidental Death and Dismemberment and such insurance will take effect even if Your Life Insurance does not take effect.

If You request Contributory Basic Life Insurance, Supplemental Life Insurance, Employee Life Insurance and Voluntary Accidental Death and Dismemberment Insurance within 60 days of the date You become eligible for such insurance, such insurance will take effect as follows: • if You are not required to give evidence of Your insurability, such benefit will take effect 90 days

following the date You become eligible, provided You are Actively at Work on that date. If You transitioned from part-time to Full-Time status and if You are not required to give evidence of Your insurability, such insurance will take effect the later of 90 days following Your date of hire or the date of Your request.

• if You are required to give evidence of Your insurability and We determine that You are insurable, such

insurance will take effect on the later of 90 days following the date You become eligible or the date We state in Writing, provided You are Actively at Work on that date. If You transitioned from part-time to Full-Time status and if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the later of 90 days following Your date of hire or the date We state in Writing, provided You are Actively at Work on that date. You are not required to give evidence of Your insurability for Voluntary Accidental Death and Dismemberment and such insurance will take effect even if Your Life Insurance does not take effect.

If You request Contributory Basic Life Insurance and Supplemental Life Insurance more than 60 days after the date You become eligible for such insurance, You must give evidence of Your insurability satisfactory to us. You must give such evidence at Your expense. If We determine that You are insurable, such insurance will take effect on the later of 90 days following the date You become eligible or the date We state in Writing, if You are Actively at Work on that date. If You transitioned from part-time to Full-Time status, such insurance will take effect on the later of 90 days following Your date of hire or the date We state in Writing, provided You are Actively at Work on that date. If You request Contributory Voluntary Accidental Death and Dismemberment Insurance more than 60 days after the date You become eligible for such insurance, Voluntary Accidental Death and Dismemberment Insurance does not require evidence of Your insurability and will take effect on the date of Your request. If You request Contributory Employee Life Insurance more than 60 days after the date You become eligible for such insurance, You will not be covered for Employee Life Insurance nor will You be able to enroll for such insurance at a later date. Enrollment Due to a Qualifying Event You may enroll for insurance for which You are eligible or change the amount of Your insurance if You have a Qualifying Event. If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work.


GCERT2000 e/ee 43

Qualifying Event includes: • marriage;

• the birth, adoption or placement for adoption of a Dependent child;

• divorce, legal separation or annulment;

• the death of a Dependent;

• Your Dependent's ceasing to qualify as a Dependent under this insurance or under other group coverage;

• a change in Your or Your Dependent's employment status, such as beginning or ending employment, strike, lockout, taking or ending a leave of absence, changes in worksite or work schedule, if it causes You or Your Dependent to gain or lose eligibility for group coverage.

If You have a Qualifying Event, You will have within 31 days of the date of that change to make a request. This request must be consistent with the nature of the Qualifying Event. The insurance enrolled for or changes to Your insurance made as a result of a Qualifying Event will take effect as follows: • if You are not required to give evidence of insurability, such insurance will take effect on the later of the

date of the event or the date of Your request, if You are Actively at Work on that date.

• if You are required to give evidence of his insurability and We determine that You are insurable, such insurance will take effect on the date We state in Writing, if You are Actively at Work on that date.

Increase in Insurance An increase in insurance due to an increase in Your earnings, or a requested increase in insurance will take effect as follows: • if You are not required to give evidence of insurability, the increase will take effect on the date of Your

request or the date of the increase in Your earnings. • if You are required to give evidence of Your insurability and We determine that You are insurable, such

insurance will take effect on the date We state in Writing, provided You are Actively at Work on that date. You are not required to give evidence of Your insurability for Voluntary Accidental Death and Dismemberment and such insurance will take effect even if Your Life Insurance does not take effect.

If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work. For a Contributory Life Insurance Benefit to take effect, in addition to having been Actively at Work on the date the insurance benefit is to take effect, You must also have been Actively at Work for at least 20 hours during the 7 calendar days preceding that date. Decrease in Insurance A decrease in insurance due to a decrease in Your earnings will take effect on the date of change. If You make a Written application to decrease Your insurance, that decrease will take effect as of the date of Your application. If You discontinue Your Employee Life Insurance at any time, you will not be able to re-enroll for such insurance at a later date.


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DATE YOUR INSURANCE ENDS Your insurance will end on the earliest of: For all coverages 1. the date the Group Policy ends; or 2. the date insurance ends for Your class; or 3. the end of the period for which the last premium has been paid for You; or For Basic Life Insurance 4. the date Your employment ends; Your employment will end if You cease to be Actively at Work in any

eligible class, except as stated in the section entitled CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT; or

5. the date You retire in accordance with the Policyholder’s retirement plan; or For Supplemental Life Insurance 6. the date Your employment ends; Your employment will end if You cease to be Actively at Work in any


7. the date You retire in accordance with the Policyholder’s retirement plan; or For Employee Life Insurance 8. the date Your employment ends; Your employment will end if You cease to be Actively at Work in any


9. the date You retire in accordance with the Policyholder’s retirement plan; or 10. the date Your election for Basic Life and/or Supplemental Life Insurance becomes effective; or For Voluntary Accidental Death and Dismemberment Insurance 11. the date Your employment ends; Your employment will end if You cease to be Actively at Work in any


12. the date You retire in accordance with the Policyholder's retirement plan. Please refer to the section entitled LIFE INSURANCE: ELIGIBILITY FOR EXTENSION IF LIFE INSURANCE ENDS WHILE YOU ARE TOTALLY DISABLED for information concerning continuation of Your Life Insurance if insurance ends while You are Totally Disabled. Please refer to the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU for information concerning the option to convert to an individual policy of life insurance if Your Life Insurance ends. In certain cases insurance may be continued as stated in the section entitled CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT.

ELIGIBILITY PROVISIONS: INSURANCE FOR YOUR DEPENDENTS

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ELIGIBLE CLASS(ES) FOR DEPENDENT INSURANCE All Full-Time employees of the Policyholder. DATE YOU ARE ELIGIBLE FOR DEPENDENT INSURANCE You may only become eligible for the Dependent insurance available for Your eligible class as shown in the SCHEDULE OF BENEFITS. You will be eligible for Dependent insurance described in this certificate on the latest of: 1. January 1, 2011; 2. the date You enter a class eligible for insurance; and 3. the date You obtain a Dependent. No person may be insured as a Dependent of more than one employee. ENROLLMENT PROCESS In order to enroll for Life Insurance for Your Dependents, You must either (a) already be enrolled for Basic Life and/or Supplemental Life Insurance or (b) enroll at the same time for Basic Life and/or Supplemental Life Insurance. If You are eligible for Dependent insurance, You may enroll for such insurance by completing an enrollment form for each Dependent to be insured. In addition, each of Your Dependents must give evidence of insurability satisfactory to Us at Your expense if required to do so under the section entitled EVIDENCE OF INSURABILITY. If You enroll for Contributory Insurance, You must also give the Policyholder written permission to deduct premiums from Your pay for such insurance. You will be notified by the Policyholder how much You will be required to contribute. DATE INSURANCE TAKES EFFECT FOR YOUR DEPENDENTS Rules for Contributory Dependent Insurance For Dependents You Have When You Become Eligible For Dependent Insurance If You complete the enrollment process for Dependent Life and Voluntary Accidental Death and Dismemberment Insurance before the date You become eligible, such insurance will take effect for each enrolled Dependent 90 days following the date You become eligible, provided You are Actively at Work on that date and the Dependent satisfies the Additional Requirement stated below. If You have transitioned from part-time to Full-Time status, such insurance will take effect for each enrolled Dependent the later of 90 days following Your date of hire or the date of Your request, provided You are Actively at Work on that date and the Dependent satisfies the Additional Requirement stated below. If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work. For Dependents You Obtain After You Become Eligible For Dependent Insurance If You obtain a Dependent after You become eligible for Dependent insurance, You may enroll the Dependent for such insurance within 60 days after the date he qualifies as a Dependent as defined in this certificate. The Dependent must give evidence of his insurability satisfactory to Us at Your expense if required to do so under the section entitled Evidence of Insurability. The Dependent insurance for the Dependent will take effect as follows:

ELIGIBILITY PROVISIONS: INSURANCE FOR YOUR DEPENDENTS (continued)

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• if the Dependent is not required to give evidence of insurability, the insurance for those Dependents will take effect on the later of 90 days following the day You become eligible and the date You enroll provided You are Actively at Work on that date and the Additional Requirement stated below is satisfied. If You have transitioned from part-time to Full-Time status, the insurance for those Dependents will take effect on the later of 90 days following Your date of hire and the date You enroll provided You are Actively at Work on that date and the Additional Requirement stated below is satisfied; or

• if the Dependent is required to give evidence of insurability and We determine that all Dependents are insurable, the insurance will take effect on the later of 90 days following the date You become eligible or the date We state in Writing, provided You are Actively at Work on that date and the Additional Requirement stated below is satisfied. If You have transitioned from part-time to Full-Time status, the insurance will take effect on the later of 90 days following Your date of hire or the date We state in Writing, provided You are Actively at Work on that date and the Additional Requirement stated below is satisfied.

• If You complete the enrollment process for any Dependent more than 60 days after the date he

qualifies as a Dependent, the Dependent must give evidence of his insurability satisfactory to Us at Your expense. If We determine that the Dependent is insurable, the insurance will take effect on the later of 90 days following the date You become eligible or the date We state in Writing, if the Dependent satisfies the Additional Requirement stated below. If You have transitioned from part-time to Full-Time status, the insurance will take effect on the later of 90 days following Your date of hire or the date We state in Writing, if the Dependent satisfies the Additional Requirement stated below.

Once You have enrolled one Child for Dependent insurance, each succeeding Child will automatically be insured for such insurance on the date he qualifies as a Dependent. If You are not Actively at Work on the date the Contributory Dependent Insurance would otherwise take effect, the insurance will take effect on the day You resume Active Work and the Additional Requirement stated below is satisfied. Enrollment Due to a Qualifying Event You may enroll for Dependent insurance for which You are eligible or change the amount of Your Dependent insurance if You have a Qualifying Event. Qualifying Event includes: • marriage;

• birth, adoption or placement for adoption of a dependent child;

• divorce, legal separation or annulment;

• death of a dependent;

• Your dependent's ceasing to qualify as a dependent under this insurance or under other group coverage;

• a change in Your or Your dependent's employment status, such as beginning or ending employment, strike, lockout, taking or ending a leave of absence, changes in worksite or work schedule, if it causes You or Your dependent to gain or lose eligibility for group coverage.

If You have a Qualifying Event, You will have within 31 days of the date of that change to make a request. This request must be consistent with the nature of the Qualifying Event. The insurance enrolled for or changes to Your insurance made as a result of a Qualifying Event will take effect for each enrolled Dependent as follows:


GCERT2000 e/dep 47

• if the Dependent is not required to give evidence of his insurability, such insurance will take effect on the later of the date of the event or the date of Your request, if You are Actively at Work on that date and the Dependent satisfies the Additional Requirement stated below.

• if the Dependent is required to give evidence of his insurability and We determine that the Dependent is insurable, such insurance will take effect on the date We state in Writing, if You are Actively at Work on that date and the Dependent satisfies the Additional Requirement stated below.

If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work. Additional Requirement On the date the Dependent insurance is scheduled to take effect, the Dependent must not be: • confined at home under a Physician's care;

• receiving or applying to receive disability benefits from any source; or

• Hospitalized. If the Dependent does not meet this requirement on such date, insurance for the Dependent will take effect on the date that Dependent is no longer: • confined;

• receiving or applying to receive disability benefits from any source; or

• Hospitalized. Increase in Insurance for Your Dependents An increase in insurance for Your Dependents due to a change in Your employee class, an increase in Your earnings, or a requested increase in insurance for Your Dependents will take effect as follows: • if Your Dependents are required to give evidence of insurability for the entire increase and We

approve the evidence of insurability, the increase will take effect on the date We state in Writing. If We do not approve the evidence of insurability, or You do not submit evidence of insurability for Your Dependent, the increase in insurance for Your Dependents will not take effect.

• if Your Dependents are required to give evidence of insurability for a portion of the increase in insurance:

• The portion of the increase in insurance that is not subject to evidence of insurability will take effect on the date of Your request or the date of the increase in Your earnings.

• if We approve the evidence of insurability, the portion of the increase in benefit that is subject to evidence of insurability will take effect on the date We state in writing. If We do not approve the evidence of insurability or You do not submit evidence of insurability for Your Dependent, the increase in insurance for Your Dependents will not take effect.

• If Your Dependents are not required to give evidence of insurability, the increase will take effect on the date of Your request or the date of the increase in Your earnings.

You must be Actively at Work on that date. If You are not Actively at Work on the date the increase would otherwise take effect, the increase will take effect on the day You resume Active Work. Decrease in Insurance for Your Dependents If You make a written application to decrease insurance for Your Dependents, that decrease will take effect as of the date of Your application.


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DATE YOUR INSURANCE FOR YOUR DEPENDENTS ENDS A Dependent's insurance will end on the earliest of: 1. for Dependent Life Insurance, the date all of the Life Insurance under the Group Policy ends; or 2. for Dependent Voluntary Accidental Death and Dismemberment Insurance, the date all of Your

Accidental Death and Dismemberment Insurance under the Group Policy ends; or 3. the date You die; or 4. the date the Group Policy ends; or 5. the date Life Insurance for You under the Group Policy ends; or 6. the date Insurance for Your Dependents ends under the Group Policy; or 7. the date Insurance for Your Dependents ends for Your class; or 8. the date the person ceases to be a Dependent; or 9. the date Your employment ends; Your employment will end if You cease to be Actively at Work in any


10. for Utah residents, with respect to Voluntary Accidental Death and Dismemberment Insurance, the last day of the calendar month the person ceases to be a dependent; or

11. for Utah residents, with respect to Voluntary Accidental Death and Dismemberment Insurance, the last day of the calendar month the Dependent Child reaches the limiting age; or

12. for Dependent Life Insurance and Voluntary Accidental Death and Dismemberment Insurance, the date You retire in accordance with the Policyholder’s retirement plan; or

13. for a Child who is past the age limit and is otherwise eligible for continuation under the CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT: For Mentally or Physically Handicapped Children subsection, on the date the Child marries; or

14. the end of the period for which the last premium has been paid for the Dependent. Please refer to the section entitled LIFE INSURANCE: ELIGIBILITY FOR EXTENSION IF LIFE INSURANCE ENDS WHILE YOU ARE TOTALLY DISABLED for information concerning continuation of Your Life Insurance for Your Dependents if insurance ends while You are Totally Disabled. Please refer to the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS for information concerning the option to convert to an individual policy of life insurance if Life Insurance for a Dependent ends. In certain cases insurance may be continued as stated in the section entitled CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT.

CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT

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FOR MENTALLY OR PHYSICALLY HANDICAPPED CHILDREN Insurance for a Dependent Child may be continued past the age limit if the child is incapable of self-sustaining employment because of a mental or physical handicap as defined by applicable law. Proof of such handicap must be sent to Us within 31 days after the date the Child attains the age limit and at reasonable intervals after such date, but not more frequently than annually. Subject to the DATE YOUR INSURANCE FOR YOUR DEPENDENTS ENDS subsection of the section entitled ELIGIBILITY PROVISIONS: INSURANCE FOR YOUR DEPENDENTS, insurance will continue while such Child: • remains incapable of self-sustaining employment because of a mental or physical handicap; and

• continues to qualify as a Child, except for the age limit. FOR FAMILY AND MEDICAL LEAVE Certain leaves of absence may qualify under the Family and Medical Leave Act of 1993 (FMLA) for continuation of insurance. Please contact the Policyholder for information regarding the FMLA. AT YOUR OPTION: PORTABILITY For Life Insurance If Your Portability Eligible Insurance or Portability Eligible Dependent Insurance ends for any of the reasons stated below, You have the option to continue that insurance under another group policy in accordance with the conditions and requirements of this section. This is referred to as Porting. Evidence of Your insurability will not be required. For purposes of this subsection the term “Portability Eligible Insurance” refers to Your Life Insurance benefits for which the Portability Eligible Insurance is shown as available in the SCHEDULE OF BENEFITS. If Insurance for Your Dependents is in effect, the term “Portability Eligible Dependent Insurance” refers to Your Life Insurance for Your Dependents for which the Portability Eligible Dependent Insurance is shown as available in the SCHEDULE OF BENEFITS. When Porting is an Option Porting may only be exercised by a request in Writing during the Request Period specified below. If You choose not to Port, Life Insurance benefits may be converted in accordance with the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU or the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS. 1. You may choose to Port if Portability Eligible Insurance and/or Portability Eligible Dependent

Insurance ends because:

• You become retired from active service with the Employer; or • Your employment ends, due to a reason other than retirement; or • You cease to be in a class that is eligible for such insurance; or • The Policy is amended to end the Portability Eligible Insurance or Portability Eligible Dependent

Insurance, unless such insurance is replaced by similar insurance under another group insurance policy issued to the Policyholder or its successor; or

• This Policy has ended, unless such insurance is replaced by similar insurance under another group insurance policy issued to the Policyholder or its successor.

CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT (continued)

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2. You may choose to Port the reduced amount of insurance if Your Portability Eligible Insurance is reduced due to:

• Your age; or • An amendment to the Plan which affects the amount of insurance for Your class.

3. Your former Dependent Spouse may choose to Port if their Portability Eligible Dependent Insurance

on his or her own life ends because:

• You die; or • Your marriage ends in divorce or annulment provided that former Dependent Spouse satisfies the “Additional Requirement” sub-section of the ELIGIBILITY PROVISIONS; INSURANCE FOR YOUR DEPENDENTS.

4. Your former Dependent Spouse may also Port Portability Eligible Dependent Insurance on Your Dependent Child if Your former Dependent Spouse Ports insurance on his or her own life. If Your former Dependent Spouse Ports that insurance on that Dependent Child, that Porting will have no effect on the insurance You may have on that Dependent Child.

5. Your former Dependent Child may request to Port Portability Eligible Dependent Insurance on his or her own life if that insurance ends because Your former Dependent Child no longer meets the definition of Child.

If a request is made under this subsection, We will issue a new certificate of insurance which will explain the new insurance benefits. The insurance benefits under the new certificate may not be the same as those that ended under this Policy. A request under this subsection may be made, if on the date the Portability Eligible Insurance ended, the following requirements are met:

• the Group Policy is in effect; • With respect to any amount of Portability Eligible Life Insurance or Portability Eligible Dependent Life

Insurance that is to be Ported, no application has been made to convert that amount of insurance to an individual policy of life insurance as provided in the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU or the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS; and

• the person making the request resides in a jurisdiction that permits this Portability feature. Request Period For You or a former Dependent to Port, We must receive a completed request form within the Request Period as described below. If written notice of the option to Port is given within 15 days before or after the date such insurance ends, the Request Period: • begins on the date the insurance ends, and • expires 31 days after the date. If written notice of the option to Port is given more than 15 days after but within 91 days of the date such insurance ends, the Request Period: • begins on the date the insurance ends, and • expires 45 days after the date of the notice.


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If written notice of the option to Port is not given within 91 days of the date such insurance ends, the Request Period: • begins on the date the insurance ends, and • expires at the end of such 91 day period. Amount of the New Certificate The amount of Ported Insurance for You and for Your Dependents that may be continued is shown in the SCHEDULE OF BENEFITS. However, at the time of Porting You may change the amount of Portability Eligible Insurance in the following circumstances:

Your Increase in Amount

For Portability Eligible Life Insurance At the time of Porting, You may increase the amount of Your Portability Eligible Life Insurance. This may be done in increments of $25,000, up to a maximum increase of $250,000. To be eligible for this increased amount, You must provide evidence of Your insurability satisfactory to us, at Your expense. If We approve the increase, it will take effect on the date We state in Writing.

Dependent Spouse Increase in Amount For Portability Eligible Dependent Life Insurance At the time of Porting, the amount of Your Spouse’s (or Your former Dependent Spouse’s ) Portability Eligible Dependent Life Insurance may be increased. This may be done in increments of $25,000, up to a maximum increase of $250,000. To be eligible for this increased amount, Your Spouse (or Your former Dependent Spouse ) must provide evidence of insurability satisfactory to us, at Your Spouse’s (or Your former Dependent Spouse’s ) expense. If We approve the increase, it will take effect on the date We state in Writing.

Dependent Child Increase in Amount

For Portability Eligible Dependent Life Insurance

At the time of Porting, if Your former Dependent Child is making the request to continue Portability Eligible Dependent Life Insurance because he or she no longer meets the definition of a Child, that former Dependent Child is eligible to increase coverage. This may be done in increments of $25,000 up to a maximum increase of $250,000. To be eligible for this increased amount, Your former Dependent Child must give evidence of insurability satisfactory to Us at Your former Dependent Child’s expense. If we approve the increase, it will take effect on the date We state in Writing.

You and/or Your Dependent(s) Decrease in Amount

If We receive a request to decrease an amount of insurance, any such decrease will take place on the date We state in Writing.

Premiums for the New Certificate All premium payments must be made directly to Us. When We issue the new certificate, We will also provide a schedule of premiums and payment instructions.


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You are not required to provide evidence of insurability to Port Your existing amount of Portability Eligible Life Insurance. However, to qualify for a lower premium rate, You may give us, at Your expense, evidence of Your insurability satisfactory to Us. If We determine that the evidence satisfies Us, We will notify You that the lower premium rates will apply to You. Your former Dependents are not required to provide evidence of insurability to Port their existing amount of Portability Eligible Dependent Life Insurance. However, to qualify for a lower premium rate, they may give us, at their expense, evidence of their insurability satisfactory to Us. If We determine that the evidence satisfies Us, We will notify them that the lower premium rates will apply to them. Right to Convert Life Insurance Amounts Not Ported Any amount of Life Insurance not Ported under this subsection may be converted under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU or the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS. If You Die Within 31 Days of the Date Portability Eligible Life Insurance Ends If You die within 31 days of the date Portability Eligible Life Insurance ends and an application to Port is not received by Us during such period, We will determine whether Your life insurance qualifies for payment. This determination will be made in accordance with the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU. If a former Dependent Dies Within 31 Days of the Date Portability Eligible Life Dependent Insurance Ends If a former Dependent dies within 31 days of the date Portability Eligible Dependent Life Insurance ends and an application for a new certificate is not received by Us during such period, We will determine whether Your life insurance qualifies for payment. This determination will be made in accordance with the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS. AT THE POLICYHOLDER’S OPTION

The Policyholder has elected to continue insurance by paying premiums for employees who cease Active Work in an eligible class for any of the reasons specified below; 1. for the period You cease Active Work in an eligible class due to injury or sickness, up to 6 months; 2. if You cease Active Work due to strike contact the Policyholder to determine if Your insurance can be

continued and for how long; 3. for the period You cease Active Work in an eligible class due to layoff up to 180 days. 4. for the period You cease Active Work in an eligible class due to any other Policyholder approved

leave of absence, up to 180 days. 5. if You cease Active Work in an eligible class and are under a severance agreement, up to the earliest

of the end of the severance agreement; 14 months from the date Your severance agreement begins; or the date You are covered for group life insurance through another employer.

At the end of any of the continuation periods listed above, Your insurance will be affected as follows: • if You resume Active Work in an eligible class at this time, You will continue to be insured under the

Group Policy;

• if You do not resume Active Work in an eligible class at this time, Your employment will be considered to end and Your insurance will end in accordance with the DATE YOUR INSURANCE ENDS subsection of the section entitled ELIGIBILITY PROVISIONS: INSURANCE FOR YOU.

If Your insurance ends, Your Dependents’ insurance will also end in accordance with the DATE YOUR INSURANCE FOR YOUR DEPENDENTS ENDS subsection of the section entitled ELIGIBILITY PROVISIONS: INSURANCE FOR YOUR DEPENDENTS.

EVIDENCE OF INSURABILITY

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We require evidence of insurability satisfactory to Us as follows: 1. in order to become covered for an amount of Supplemental Life Insurance greater than the Non-Medical

Issue Amount as shown in the SCHEDULE OF BENEFITS. If You do not give Us evidence of Your insurability, or if such evidence of insurability is not accepted by Us as satisfactory, the amount of Your Supplemental Life Insurance will be limited to the Non-Medical Issue Amount.

2. if You make a request to increase the amount of Supplemental Life Insurance. If You do not give Us evidence of Your insurability, or if such evidence of insurability is not accepted by Us as satisfactory, the amount of Your Supplemental Life Insurance will not be increased.

3. if You are covered for Basic Life Insurance and You make a request within 31 days of a Qualifying Event to become covered for an amount of Supplemental Life Insurance for any option which is greater than Option 1. If You do not give Us evidence of insurability or the evidence of insurability is not accepted by Us as satisfactory, the amount of Your Supplemental Life Insurance will be limited to Option 1.

4. if You make a request within 31 days of a Qualifying Event to increase the amount of Supplemental Life Insurance to an option which is more than one level above Your Supplemental Life's current amount of Life Insurance. If You do not give Us evidence of Your insurability or the evidence of insurability is not accepted by Us as satisfactory, the amount of Your Supplemental Life Insurance will be limited to one level above Your Supplemental Life's current amount of Life Insurance.

5. if You make a request within 31 days of a Qualifying Event to increase the amount of Your Supplemental Life Insurance, which is below the Non-Medical Issue Amount, to an option which is above the Non-Medical Issue Amount as shown in the SCHEDULE OF BENEFITS. If You do not give Us evidence of insurability or the evidence of insurability is not accepted by Us as satisfactory, the amount of Your Supplemental Life Insurance will be limited to the Non-Medical Issue Amount.

6. if You make a late request for Basic and/or Supplemental Life Insurance. A late request is one made more than 60 days after You become eligible. If You do not give Us evidence of insurability or the evidence of insurability is not accepted by Us as satisfactory, You will not be covered for Basic and/or Supplemental Life Insurance.

7. in order to become covered for an amount of Life Insurance for Your Dependent Spouse greater than the Non-Medical Issue Amount for Your Dependent Spouse as shown in the SCHEDULE OF BENEFITS. If You do not give Us evidence of the insurability of Your Dependent Spouse, or if such evidence of insurability is not accepted by Us as satisfactory, the amount of Life Insurance for Your Dependent Spouse will be limited to the Non-Medical Issue Amount for Your Dependent Spouse.

8. if You make a request to increase the amount of Life Insurance for Your Dependent Spouse. If You do not give Us evidence of the insurability of Your Dependent Spouse, or if such evidence of insurability is not accepted by Us as satisfactory, the amount of Life Insurance for Your Dependent Spouse will not be increased.

9. if You make a request within 31 days of a Qualifying Event to become covered for an amount of Life Insurance for Your Dependent Spouse greater than the Non-Medical Issue Amount for Your Dependent Spouse as shown in the SCHEDULE OF BENEFITS . If You do not give Us evidence of insurability of Your Dependent Spouse or the evidence of insurability is not accepted by Us as satisfactory, the amount of Life Insurance for Your Dependent Spouse will be limited to the Non-Medical Issue Amount for Your Dependent Spouse.

EVIDENCE OF INSURABILITY (continued)

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10. if You make a request within 31 days of a Qualifying Event to increase the amount of Life Insurance for Your Dependent Spouse which is below the Non-Medical Issue Amount, to an option which is above the Non-Medical Issue Amount as shown in the SCHEDULE OF BENEFITS. If You do not give Us evidence of insurability of Your Dependent Spouse or the evidence of insurability is not accepted by Us as satisfactory, the amount of Life Insurance for Your Dependent Spouse will be limited to the Non-Medical Issue Amount.

11. if You make a request to increase the amount of Life Insurance for Your Dependent Child. If You do not give Us evidence of the insurability of Your Dependent Child, or if such evidence of insurability is not accepted by Us as satisfactory, the amount of Life Insurance for Your Dependent Child will not be increased.

12. if You make a request within 31 days of a Qualifying Event to become covered for an amount of Life Insurance for Your Dependent Child for any option which is greater than Option A. If You do not give Us evidence of insurability of Your Dependent Child or the evidence of insurability is not accepted by Us as satisfactory, the amount of Life Insurance for Your Dependent Child will be limited to Option A.

13. if You make a request within 31 days of a Qualifying Event to increase the amount of Life Insurance for Your Dependent Child to an option which is more than one level above Your Dependent Child's current amount of Life Insurance. If You do not give Us evidence of insurability of Your Dependent Child or the evidence of insurability is not accepted by Us as satisfactory, the amount of Life Insurance for Your Dependent Child will be limited to one level above Your Dependent Child's current amount of Life Insurance.

14. if You make a late request for Life Insurance for Your Dependents. A late request is one made more than 60 days after Your Dependent becomes eligible. If You do not give Us evidence of insurability of Your Dependents or the evidence of insurability is not accepted by Us as satisfactory, Your Dependents will not be covered for Life Insurance.

The Non-Medical Issue Limit is shown in the SCHEDULE OF BENEFITS. The evidence of insurability is to be given at Your expense.

LIFE INSURANCE: FOR YOU

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If You die, Proof of Your death must be sent to Us. When We receive such Proof with the claim, We will review the claim and, if We approve it, will pay the Beneficiary the Life Insurance in effect on the date of Your death. PAYMENT OPTIONS We will pay the Life Insurance in one sum. Other modes of payment may be available upon request. For details, call Our toll free number shown on the Certificate Face Page.

LIFE INSURANCE: FOR YOUR DEPENDENTS

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If a Dependent dies, Proof of the Dependent’s death must be sent to Us. When We receive such Proof with the claim, We will review the claim and, if We approve it, will pay the Beneficiary the Life Insurance in effect on the life of such Dependent on the date of death. PAYMENT OPTIONS We will pay the Life Insurance in one sum. Other modes of payment may be available upon request. For details, call Our toll free number shown on the Certificate Face Page.

LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU

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For purposes of this section, the term “ABO Eligible Life Insurance” refers to each of Your Life Insurance benefits for which the Accelerated Benefit Option is shown as available in the SCHEDULE OF BENEFITS. If You become Terminally Ill, You or Your legal representative have the option to request Us to pay ABO Eligible Life Insurance before Your death. This is called an accelerated benefit. The request must be made while ABO Eligible Life Insurance is in effect. Terminally Ill or Terminal Illness means that due to injury or sickness, You are expected to die within 12 months. Requirements For Payment of an Accelerated Benefit Subject to the conditions and requirements of this section, We will pay an accelerated benefit to You or Your legal representative if: • the amount of each ABO Eligible Life Insurance benefit to be accelerated equals or exceeds $10,000;

and

• the ABO Eligible Life Insurance to be accelerated has not been assigned; and

• We have received Proof that You are Terminally Ill. We will only pay an accelerated benefit for each ABO Eligible Life Insurance benefit once. Proof of Your Terminal Illness We will require the following Proof of Your Terminal Illness: • a completed accelerated benefit claim form;

• a signed Physician’s certification that You are Terminally Ill; and

• an examination by a Physician of Our choice, at Our expense, if We request it. You or Your legal representative should contact the Policyholder to obtain a claim form and information regarding the accelerated benefit. Upon Our receipt of Your request to accelerate benefits, We will send You a letter with information about the accelerated benefit payment You requested. Our letter will describe the amount of the accelerated benefits We will pay and the amount of Life Insurance remaining after the accelerated benefit is paid. Accelerated Benefit Amount We will pay an accelerated benefit up to the percentage shown in the SCHEDULE OF BENEFITS for each ABO Eligible Life Insurance benefit in effect for You, subject to the following:

Maximum Accelerated Benefit Amount. The maximum amount We will pay for each ABO Eligible Life Insurance benefit is shown in the SCHEDULE OF BENEFITS.

Scheduled Reduction of an ABO Eligible Life Insurance Benefit. If an ABO Eligible Life Insurance benefit is scheduled to reduce within the 12 month period after the date You or Your legal representative request an accelerated benefit, We will calculate the accelerated benefit using the amount of such ABO Eligible Life Insurance that will be in effect immediately after the reduction(s) scheduled for such period. Scheduled End of an ABO Eligible Life Insurance Benefit. If an ABO Eligible Life Insurance benefit is scheduled to end within 12 months after the date You or Your legal representative request an accelerated benefit, We will not pay an accelerated benefit for such ABO Eligible Life Insurance benefit.

LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU (continued)

GCERT2000 abo/ee 58

Previous Conversion of an ABO Eligible Life Insurance Benefit. We will not pay an accelerated benefit for any amount of ABO Eligible Life Insurance which You previously converted under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU.

We will pay the accelerated benefit in one sum unless You or Your legal representative select another payment mode. Effect of Payment of an Accelerated Benefit

On premium for Your Life Insurance. After We pay the accelerated benefit, any premium You are required to pay will be based upon the amount of Your Life Insurance remaining after the accelerated benefit is paid. On Your Life Insurance at Your death. The amount of Life Insurance that We will pay at Your death will be decreased by the amount of the accelerated benefit paid by Us. On Your Life Insurance at conversion. The amount to which You are entitled to convert under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU will be decreased by the amount of the accelerated benefit paid by Us. On Your Accidental Death and Dismemberment Insurance. Payment of an accelerated benefit will not affect Your Accidental Death and Dismemberment Insurance.

Date Your Option to Accelerate Benefits Ends The accelerated benefit option will end on the earliest of: • the date that is 2 years prior to Your normal date of retirement;

• the date the ABO Eligible Life Insurance ends;

• the date You or Your legal representative assign all ABO Eligible Life Insurance; or

• the date You or Your legal representative have accelerated all ABO Eligible Life Insurance benefits.

LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOUR SPOUSE

GCERT2000 abo/dep 59

If Your Spouse becomes Terminally Ill, You or Your legal representative have the option to request Us to pay Life Insurance for Your Spouse before their death. This is called an accelerated benefit. The request must be made while Life Insurance for Your Spouse is in effect. Terminally Ill or Terminal Illness means that due to injury or sickness, Your Spouse is expected to die within 12 months. Requirements For Payment of an Accelerated Benefit Subject to the conditions and requirements of this section, We will pay an accelerated benefit to You or Your legal representative if: • the amount of Life Insurance for the Terminally Ill Spouse equals or exceeds $10,000; and

• the ABO Eligible Life Insurance to be accelerated has not been assigned; and

• We have received Proof that Your Spouse is Terminally Ill. We will only pay an accelerated benefit for Life Insurance for Your Spouse once. Proof of Your Spouse's Terminal Illness We will require the following Proof of Your Spouse’s Terminal Illness: • a completed accelerated benefit claim form;

• a signed Physician’s certification that Your Spouse is Terminally Ill; and

• an examination by a Physician of Our choice, at Our expense, if We request it. You or Your legal representative should contact the Policyholder to obtain a claim form and information regarding the accelerated benefit. Upon Our receipt of Your request to accelerate benefits, We will send You a letter with information about the accelerated benefit payment You requested. Our letter will describe the amount of the accelerated benefits We will pay and the amount of Life Insurance remaining after the accelerated benefit is paid. Accelerated Benefit Amount We will pay an accelerated benefit up to the percentage shown in the SCHEDULE OF BENEFITS for the amount of Life Insurance in effect for a Terminally Ill Spouse, subject to the following:

Maximum Accelerated Benefit Amount. The maximum amount We will pay is shown in the SCHEDULE OF BENEFITS. Scheduled Reduction of Life Insurance for a Terminally Ill Spouse. If the Life Insurance in effect for a Terminally Ill Spouse is scheduled to reduce within the 12 month period after the date You or Your legal representative request an accelerated benefit, We will calculate the accelerated benefit using the amount of Life Insurance that will be in effect for Your Spouse immediately after the reduction(s) scheduled for such period. Scheduled end of Life Insurance for a Terminally Ill Spouse. If the Life Insurance in effect for a Terminally Ill Spouse is scheduled to end within 12 months after the date You or Your legal representative request an accelerated benefit, We will not pay an accelerated benefit.

We will pay the accelerated benefit in one sum unless You or Your legal representative select another payment mode.

LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOUR SPOUSE (continued)

GCERT2000 abo/dep 60

Effect of Payment of an Accelerated Benefit

On Premium for Life Insurance. Any premium You are required to pay for Life Insurance for Your Spouse for whom We paid an accelerated benefit will be based upon the amount of Life Insurance for Your Spouse remaining after payment of the accelerated benefit. On Payment of Life Insurance at a Dependent’s death. The amount of Life Insurance that We will pay at death of Your Spouse for whom We paid an accelerated benefit will be decreased by the amount of the accelerated benefit paid by Us for such Dependent. On Life Insurance at conversion. The amount to which Your Spouse for whom We paid an accelerated benefit is entitled to convert under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS provision will be decreased by the amount of the accelerated benefit paid by Us for Your Spouse. On Your Dependents’ Accidental Death and Dismemberment Insurance. Payment of an accelerated benefit will not affect Your Dependents’ Accidental Death and Dismemberment Insurance.

Date Your Option to Accelerate Benefits Ends The accelerated benefit option for Your Spouse will end on the earliest of: • the date Your Spouse attains age 70;

• the date Life Insurance for Your Spouse ends;

• the date Your rights in Life Insurance for Your Spouse are assigned; or

• the date You or Your legal representative have accelerated all Dependent Life Insurance benefits.

LIFE INSURANCE: CONVERSION OPTION FOR YOU

GCERT2000 co/l/ee 07/09 61

If Your life insurance ends or is reduced for any of the reasons stated below, You have the option to buy an individual policy of life insurance (“new policy”) from Us during the Application Period in accordance with the conditions and requirements of this section. This is referred to as the “option to convert”. Evidence of Your insurability will not be required. When You Will Have the Option to Convert You will have the option to convert when: A. Your life insurance ends because:

• You cease to be in an eligible class;

• Your employment ends;

• this Group Policy ends, provided You have been insured for life insurance for at least 5 continuous years; or

• this Group Policy is amended to end all life insurance for an eligible class of which You are a member, provided You have been insured for at least 5 continuous years; or

B. Your life insurance is reduced:

• on or after the date You attain age 60;

• because You change from one eligible class to another; or

• due to an amendment of this Group Policy. If You opt not to convert a reduction in the amount of Your life insurance as described above, You will not have the option to convert that amount at a later date. A reduction in the amount of Your life insurance as a result of the payment of an accelerated benefit will not give rise to a right to convert under this section. Application Period If You opt to convert Your Life Insurance for any of the reasons stated above, We must receive a completed conversion application form from You within 31 days after the date Your Life Insurance ends or is reduced. Option Conditions The option to convert is subject to the following: A. Our receipt within the Application Period of:

• Your Written application for the new policy; and

• the premium due for such new policy; B. the premium rates for the new policy will be based on:

• Our rates then in use;

• the form and amount of insurance for which you apply;

• Your class of risk; and

• Your age; C. the new policy may be on any form then customarily offered by Us excluding term insurance; D. the new policy will be issued without an accidental death and dismemberment benefit, an accelerated

benefit option, a waiver of premium benefit or any other rider or additional benefit; and E. the new policy will take effect on the 32nd day after the date Your life insurance ends or is reduced;

this will be the case regardless of the duration of the Application Period.

LIFE INSURANCE: CONVERSION OPTION FOR YOU (continued)

GCERT2000 co/l/ee 07/09 62

Maximum Amount of the New Policy If Your Life Insurance ends due to the end of this Group Policy or the amendment of this Group Policy to end all life insurance for an eligible class of which You are a member, the maximum amount of insurance that You may elect for the new policy is the lesser of: • the amount of Your life insurance that ends under this Group Policy less the amount of life insurance

for which You become eligible under any group policy within 31 days after the date insurance ends under this Group Policy; or

• $10,000. If Your life insurance ends or is reduced due to the Policyholder’s organizational restructuring, the maximum amount of insurance that You may elect for the new policy is the amount of Your life insurance that ends under this Group Policy less the amount of life insurance for which You become eligible under any other group policy within 31 days after the date insurance ends under this Group Policy. If Your life insurance ends or is reduced for any other reason, the maximum amount of insurance that You may elect for the new policy is the amount of Your life insurance which ends under this Group Policy. If You Die Within 31 Days After Your Life Insurance Ends Or Is Reduced If You die within 31 days after Your life insurance ends or is reduced by an amount You are entitled to convert, Proof of Your death must be sent to Us. When We receive such Proof with the claim, We will review the claim and if We approve it will pay the Beneficiary. The amount We will pay is the amount You were entitled to convert. The amount You were entitled to convert will not be paid as insurance under both a new individual conversion policy and the Group Policy. If You Become Eligible To Have Insurance Continued Due To Your Total Disability If You obtain a new individual conversion policy because Your life insurance ends or is reduced and You later become eligible to have insurance continued under the section entitled ELIGIBILITY FOR EXTENSION OF INSURANCE WHILE YOU ARE TOTALLY DISABLED, We will only continue Your life insurance under such section if the conversion policy is returned to Us. If the conversion policy is returned to Us, We will refund to Your estate the premium paid for such policy without interest, less any debt incurred under such policy. We will not pay a benefit for insurance under both the Group Policy and the new individual conversion policy.

LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS

GCERT2000 co/l/dep 07/09 63

If life insurance for a Dependent ends or is reduced for any of the reasons stated below, You or that Dependent will have the option to buy from Us an individual policy of life insurance on the life of the Dependent (“new policy”) during the Application Period in accordance with the conditions and requirements of this section. This is referred to as “the option to convert”. Evidence of the Dependent’s insurability will not be required. When You or a Dependent Will Have the Option to Convert You will have the option to convert life insurance for a Dependent when: A. life insurance for the Dependent ends because:

• You cease to be in an eligible class;

• Your employment ends;

• this Group Policy ends, provided You have been insured for life insurance for the Dependent for at least 5 continuous years; or

• this Group Policy is amended to end all life insurance for Dependents for an eligible class of which You are a member, provided You have been insured for life insurance for the Dependent for at least 5 continuous years; or

B. life insurance for the Dependent is reduced:

• on or after the date You attain age 60;

• because You change from one eligible class to another; or

• due to an amendment of this Group Policy. A Dependent will have the option to convert when:

• life insurance for such Dependent ends because that Dependent ceases to qualify as a Dependent as defined in this certificate, or

• You die. If You opt not to convert a reduction in the amount of life insurance for a Dependent, You will not have the option to convert that amount at a later date. A reduction in the amount of life insurance for a Dependent as a result of the payment of an accelerated benefit will not give rise to a right to convert under this section. You must notify Us in the event that a Dependent ceases to qualify as a Dependent as defined in this certificate. Application Period If You or a Dependent opt to convert as stated above, We must receive a completed conversion application form within 31 days of the date Life Insurance for the Dependent ends or is reduced. Option Conditions The option to convert is subject to the following: A. Our receipt within the Application Period of:

• a Written application for the new policy for the Dependent; and

• the premium due for such new policy; B. the premium rates for the new policy will be based on:

• Our rates then in use;

• the form and amount of insurance which is applied for;

LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS (continued)

GCERT2000 co/l/dep 07/09 64

• the Dependent’s class of risk; and

• the Dependent's age; C. the new policy may be on any form then customarily offered by Us excluding term insurance; D. the new policy will be issued without an accidental death and dismemberment benefit, an

accelerated benefit option, waiver of premium benefit or any other rider or additional benefit; and E. the new policy will take effect on the 32nd day after the date Life Insurance for the Dependent ends or

is reduced; this will be the case regardless of the duration of the Application Period. Maximum Amount of the New Policy If Life Insurance for a Dependent ends due to the end of this Group Policy or the amendment of this Group Policy to end all life insurance for Dependents for an eligible class of which You are a member, the maximum amount of insurance that may be elected for the new policy is the lesser of: • the amount of Life Insurance for the Dependent that ends under this Group Policy less the amount of

life insurance for Dependents for which You become eligible under any group policy within 31 days after the date insurance ends under this Group Policy; or

• $10,000. If life insurance for a Dependent ends or is reduced due to the Policyholder’s organizational restructuring, the maximum amount of insurance that may be elected for the new policy is the amount of life insurance for the Dependent that ends under this Group Policy less the amount of life insurance for dependents for which You become eligible under any other group policy within 31 days after the date insurance ends under this Group Policy. If Your life insurance for a Dependent ends or is reduced for any other reason, the maximum amount of insurance that You may elect for the new policy is the amount of Your life insurance for a Dependent that ends under this Group Policy. If a Dependent Dies Within the 31 Days After Life Insurance for a Dependent Ends Or Is Reduced If a Dependent dies within 31 days after the date life insurance for the Dependent ends or is reduced by an amount eligible for convert, Proof of the Dependent’s death must be sent to Us. When we receive such Proof with the claim, We will review the claim and if We approve it, will pay the Beneficiary. The amount We will pay is the amount that could have been converted. The amount that could have been converted will not be paid as insurance under both a new individual conversion policy and the Group Policy.

ELIGIBILITY FOR EXTENSION OF BASIC, EMPLOYEE OR SUPPLEMENTAL LIFE INSURANCE WHILE YOU ARE TOTALLY DISABLED

GCERT2000 elb/all 65

If You become Totally Disabled while You are insured for Basic, Employee or Supplemental Life Insurance under this policy, You may qualify to extend certain insurance under this section. If extended, premium payment will not be required. We will determine if You qualify for this extension after We receive Proof that You have satisfied the conditions of this section. Total Disability must start before You attain age 65 and while You are insured for Extension Eligible Insurance. DEFINITIONS For the purpose of this section, “Extension Eligible Insurance” means: • Basic Life Insurance; • Employee Life Insurance; and • Supplemental Life Insurance, if You were insured for Supplemental Life Insurance 12 months before Total

Disability began; to the extent that such insurance was in effect for You on the date Your Total Disability began. Extension Eligible Insurance does not include Life Insurance amounts accelerated under the section entitled LIFE INSURANCE: ACCELERATED BENEFIT OPTION FOR YOU. Extension Period If You were insured for an Extension Eligible Insurance benefit for 12 months or less on the date such benefit ended, the Extension Period is the period You were insured, plus 31 days. If You were insured for an Extension Eligible Insurance benefit for more than 12 months on the date such benefit ended, the Extension Period is 12 months. Total Disability or Totally Disabled means, for purpose of this section, that due to an injury or sickness: • You are unable to perform the material duties of Your regular job; and • You are unable to perform any other job for which You are fit by education, training or experience. TOTAL DISABILITY AND PROOF REQUIREMENTS Subject to the conditions and requirements of this section, We will pay the Beneficiary the Extension Eligible Insurance in effect on of the date of Your death if We receive Proof establishing that: • You died during the Extension Period; • You were Totally Disabled on the date Your Extension Eligible Insurance ended; and • the Total Disability continued without interruption from the date Your Extension Eligible Insurance ended

until the date You died. EFFECT OF PREVIOUS CONVERSION If You converted any portion of Your Extension Eligible Life Insurance to an individual policy, We will only pay the life insurance under this section if the individual policy is returned to Us. If it is returned to Us, We will refund to Your estate the premiums paid for such policy without interest, less any debt incurred under such policy. If You do not return such individual policy to Us, We will pay the life insurance in effect under the individual policy. We will not pay insurance under both the Group Policy and the individual policy.

ELIGIBILITY FOR EXTENSION OF BASIC, EMPLOYEE OR SUPPLEMENTAL LIFE INSURANCE WHILE YOU ARE TOTALLY DISABLED (continued)

GCERT2000 elb/all 66

EFFECT OF PREVIOUS ELECTION TO PORT COVERAGE If You ported any portion of Your Extension Eligible Insurance to a certificate under another policy, We will only pay insurance under this section if the other policy’s certificate is surrendered to Us. If it is returned to Us, We will refund to Your estate the premiums paid under such policy without interest. If You do not return that certificate to Us, We will pay any insurance which applies under the other policy’s certificate. We will not pay insurance under both this Group Policy and the other policy. DATE EXTENSION ENDS The Extension Eligible Insurance extended under this section may be extended in a reduced amount on account of Your age or the payment of accelerated benefits and will end at the earliest of: 1. the date You reach age 65; or 2. the date Your Total Disability ends.

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

GCERT2000 add 67

If You or a Dependent sustain an accidental injury that is the Direct and Sole Cause of a Covered Loss described in the SCHEDULE OF BENEFITS, Proof of the accidental injury and Covered Loss must be sent to Us. When We receive such Proof We will review the claim and, if We approve it, will pay the insurance in effect on the date of the injury. Direct and Sole Cause means that the Covered Loss occurs within 12 months of the date of the accidental injury and was a direct result of the accidental injury, independent of other causes. We will deem a loss to be the direct result of an accidental injury if it results from unavoidable exposure to the elements and such exposure was a direct result of an accident. PRESUMPTION OF DEATH You and/or a Dependent will be presumed to have died as a result of an accidental injury if: • the aircraft or other vehicle in which You and/or a Dependent were traveling disappears, sinks, or is

wrecked; and

• the body of the person who has disappeared is not found within 1 year of:

• the date the aircraft or other vehicle was scheduled to have arrived at its destination, if traveling in an aircraft or other vehicle operated by a Common Carrier; or

• the date the person is reported missing to the authorities, if traveling in any other aircraft or other vehicle.

EXCLUSIONS (See notice page for residents of Missouri) We will not pay benefits under this section for any loss caused or contributed to by: 1. physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity; 2. infection, other than infection occurring in an external accidental wound; 3. suicide or attempted suicide; 4. intentionally self-inflicted injury; 5. service in the armed forces of any country or international authority. However, service in reserve forces

does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. For purposes of this provision reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the national guard of any other country;

6. any incident related to:

• travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger;

• travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight;

• parachuting or otherwise exiting from an aircraft while such aircraft is in flight, except for self-preservation;

• travel in an aircraft or device used:

• for testing or experimental purposes;

• by or for any military authority; or

• for travel or designed for travel beyond the earth’s atmosphere; 7. committing or attempting to commit a felony;

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE (continued)

GCERT2000 add 68

8. the voluntary intake or use by any means of:

• any drug, medication or sedative, unless it is:

• taken or used as prescribed by a Physician; or

• an “over the counter” drug, medication or sedative taken as directed;

• alcohol in combination with any drug, medication, or sedative; or

• poison, gas, or fumes; or 9. war, whether declared or undeclared; or act of war, insurrection, rebellion or riot.

Exclusion for Intoxication We will not pay benefits under this section for any loss if the injured party is intoxicated at the time of the incident and is the operator of a vehicle or other device involved in the incident. Intoxicated means that the injured person’s blood alcohol level met or exceeded the level that creates a legal presumption of intoxication under the laws of the jurisdiction in which the incident occurred. COMMON DISASTER If You and Your Spouse are injured in the same accident and die within 365 days as a result of injuries in such accident, the Full Amount that we will pay for Your Spouse’s loss of life will be increased to equal the Full Amount payable for Your loss of life. BENEFIT PAYMENT For loss of Your life, We will pay benefits to Your Beneficiary. For any other loss sustained by You, or for any loss sustained by a Dependent, We will pay benefits to You. If You or a Dependent sustain more than one Covered Loss due to an accidental injury, the amount We will pay, on behalf of any such injured person, will not exceed the Full Amount. We will pay benefits in one sum. Other modes of payment may be available upon request. For details call Our toll free number shown on the Certificate Face Page. If You and any Dependent die within a 24 hour period, We will pay the Dependent’s Accidental Death and Dismemberment Insurance to the Beneficiary receiving payment of Your Accidental Death and Dismemberment Insurance including payment of any Additional Benefits, or We may pay Your estate. If a Beneficiary is a minor or is incompetent to receive payment, We will pay that person’s guardian. APPLICABILITY OF PROVISIONS The provisions set forth in this ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE section apply to all Accidental Death and Dismemberment Insurance – Additional Benefit sections included in this certificate except as may otherwise be provided in such Additional Benefit sections.


GCERT2000 add/seatbelt 69

ADDITIONAL BENEFIT: SEAT BELT USE If You or a Dependent die as a result of an accidental injury, We will pay this additional Seat Belt Use benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that the deceased person:

• was in an accident while driving or riding as a passenger in a Passenger Car;

• was wearing a Seat Belt which was properly fastened at the time of the accident; and

• died as a result of injuries sustained in the accident. A police officer investigating the accident must certify that the Seat Belt was properly fastened. A copy of such certification must be submitted to Us with the claim for benefits. Passenger Car means any validly registered four-wheel private passenger car, four-wheel drive vehicle, sports-utility vehicle, pick-up truck or mini-van. It does not include any commercially licensed car, any private car being used for commercial purposes, or any vehicle used for recreational or professional racing. Seat Belt means any restraint device that: • meets published United States Government safety standards;

• is properly installed by the car manufacturer; and

• is not altered after the installation. The term includes any child restraint device that meets the requirements of state law. BENEFIT AMOUNT The Seat Belt Use benefit is an additional benefit equal to 15% of the Full Amount shown in the SCHEDULE OF BENEFITS. However, the amount We will pay for this benefit will not be less than $1,000 or more than $25,000. BENEFIT PAYMENT For loss of Your life, We will pay benefits to Your Beneficiary. For loss of a Dependent’s life, We will pay benefits to You.


GCERT2000 add/airbag 70

ADDITIONAL BENEFIT: AIR BAG USE If You or a Dependent die as a result of an accidental injury, We will pay this additional benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that the deceased person:

• was in an accident while driving or riding as a passenger in a Passenger Car equipped with an Air Bag(s);

• was riding in a seat protected by an Air Bag;

• was wearing a Seat Belt which was properly fastened at the time of the accident; and

• died as a result of injuries sustained in the accident. A police officer investigating the accident must certify that the Seat Belt was properly fastened and that the Passenger Car in which the deceased was traveling was equipped with Air Bags. A copy of such certification must be submitted to Us with the claim for benefits. Passenger Car means any validly registered four-wheel private passenger car, four-wheel drive vehicle, sports-utility vehicle, pick-up truck or mini-van. It does not include any commercially licensed car, any private car being used for commercial purposes, or any vehicle used for recreational or professional racing. Seat Belt means any restraint device that: • meets published United States government safety standards;


• is not altered after the installation. The term includes any child restraint device that meets the requirements of state law. Air Bag means an inflatable restraint device that: • meets published United States government safety standards;


• is not altered after the installation. BENEFIT AMOUNT The Air Bag Use Benefit is an additional benefit equal to $5,000. BENEFIT PAYMENT For loss of Your life, We will pay benefits to Your Beneficiary. For a loss of a Dependent's life, We will pay benefits to You.


GCERT2000 add/childcare 07/09 71

ADDITIONAL BENEFIT: CHILD CARE If You die as a result of an accidental injury, We will pay this additional Child Care benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that:

• on the date of Your death a Child was enrolled in a Child Care Center; or

• within 12 months after the date of Your death a Child was enrolled in a Child Care Center. Child Care Center means a facility that: • is operated and licensed according to the law of the jurisdiction where it is located; and

• provides care and supervision for children in a group setting on a regularly scheduled and daily basis. BENEFIT AMOUNT For each Child who qualifies for this benefit, We will pay an amount equal to the Child Care Center charges incurred for a period of up to 4 consecutive years, not to exceed: • an annual maximum of $7,500; and

• an overall maximum of 12% of the Full Amount shown in the SCHEDULE OF BENEFITS. We will not pay for Child Care Center charges incurred after the date a Child attains age 12. We may require Proof of the Child’s continued enrollment in a Child Care Center during the period for which a benefit is claimed. BENEFIT PAYMENT We will pay this benefit quarterly when We receive Proof that Child Care Center charges have been paid. Payment will be made to the person who pays such charges on behalf of the Child. If this benefit is in effect on the date You die and there is no Child who could qualify for it, We will pay $2,000 to Your Beneficiary in one sum.


GCERT2000 add/child ed 07/09 72

ADDITIONAL BENEFIT: CHILD EDUCATION If You die as a result of an accidental injury, We will pay this additional Child Education benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that on the date of Your death a Child was:

• enrolled as a full-time student in an accredited college, university or vocational school above the 12th grade level; or

• at the 12th grade level and, within one year after the date of Your death, enrolls as a full-time student in an accredited college, university or vocational school.

BENEFIT AMOUNT For each Child who qualifies for this benefit, We will pay an amount equal to the tuition charges incurred for a period of up to 4 consecutive academic years, not to exceed: • an academic year maximum of $25,000; and

• an overall maximum of 10% of the Full Amount shown in the SCHEDULE OF BENEFITS. We may require Proof of the Child’s continued enrollment as a full-time student during the period for which a benefit is claimed. BENEFIT PAYMENT We will pay this benefit semi-annually when We receive Proof that tuition charges have been paid. Payment will be made to the person who pays such charges on behalf of the Child. If this benefit is in effect on the date You die and there is no Child who could qualify for it, We will pay $1,000 to Your Beneficiary in one sum.


GCERT2000 add/spouse ed 73

ADDITIONAL BENEFIT: SPOUSE EDUCATION If You die as a result of an accidental injury, We will pay this additional Spouse Education benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that:

• on the date of Your death, Your Spouse was enrolled as a full-time student in an accredited school; or

• within 12 months after the date of Your death, Your Spouse enrolls as a full-time student in an accredited school.

BENEFIT AMOUNT We will pay an amount equal to the tuition charges incurred for a period of up to 5 academic years, not to exceed: • an academic year maximum of $5,000; and

• an overall maximum of 10% of the Full Amount shown in the SCHEDULE OF BENEFITS. We may require Proof of the Spouse’s continued enrollment as a full-time student during the period for which a benefit is claimed. BENEFIT PAYMENT We will pay this benefit semi-annually when We receive Proof that tuition charges have been paid. Payment will be made to the Spouse. If this benefit is in effect on the date You die and there is no Spouse who could qualify for it, We will pay $1,000 to Your Beneficiary in one sum.


GCERT2000 add/hospital10/04 74

ADDITIONAL BENEFIT: HOSPITAL CONFINEMENT Subject to the provisions of the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE, We will pay this additional benefit if: 1. We receive Proof that You or a Dependent are confined in a Hospital as a result of an accidental injury

which is the direct result of such confinement independent of other causes; and 2. This benefit is in effect on the date of the injury. BENEFIT AMOUNT We will pay an amount for each full month of Hospital Confinement equal to the lesser of: • 2% of the Full Amount shown in the SCHEDULE OF BENEFITS; and

• $5,000. We will pay this benefit on a monthly basis beginning on the 4th day of confinement, for up to 12 months of continuous confinement. This benefit will be paid on a pro-rata basis for any partial month of confinement. We will only pay benefits for one period of continuous confinement for any accidental injury. That period will be the first period of confinement that qualifies for payment. BENEFIT PAYMENT Benefit payments will be made monthly. Payment will be made to You.


GCERT2000 add/cobra 75

ADDITIONAL BENEFIT: COBRA CONTINUATION If You die as a result of an accidental injury, We will pay this additional benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that Your Dependents have elected to continue their group medical insurance as

permitted under the Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985. We will require a completed and signed copy of the COBRA election form and Proof that each required COBRA premium payment for which reimbursement is requested, has been made. BENEFIT AMOUNT We will pay an amount equal to the group medical insurance premiums paid, subject to the following: • a maximum benefit period of 3 consecutive years;

• an annual maximum of $5,000; and

• an overall maximum of 5% of the Full Amount shown in the SCHEDULE OF BENEFITS. BENEFIT PAYMENT We will pay the COBRA Continuation benefit when We receive Proof that group medical insurance premiums have been paid. Payment will be made to Your Spouse. If there is no Spouse on the date of Your death, We will pay the benefit to the person who incurred the premiums due for any Child’s COBRA continuation. If this benefit is in effect on the date You die and there is no Dependent who qualifies for COBRA Continuation, We will pay $1,000 to Your Beneficiary in one sum.

FILING A CLAIM

GCERT2000 claim10/04 76

The Policyholder should have a supply of claim forms. Obtain a claim form from the Policyholder and fill it out carefully. Return the completed claim form with the required Proof to the Policyholder. The Policyholder will certify Your insurance under the Group Policy and send the certified claim form and Proof to Us. When We receive the claim form and Proof, We will review the claim and, if We approve it, We will pay benefits subject to the terms and provisions of this certificate and the Group Policy. CLAIMS FOR LIFE INSURANCE BENEFITS

When a claimant files a claim for Life Insurance benefits, Proof should be sent to Us as soon as is reasonably possible after the death of an insured.

CLAIMS FOR OTHER INSURANCE BENEFITS

When a claimant files a claim for any other insurance benefits described in this certificate, both the notice of claim and the required Proof should be sent to Us within 180 days of the date of a loss.

Notice of claim and Proof may also be given to Us by following the steps set forth below:

Step 1 A claimant may give Us notice by calling Us at the toll free number shown in the Certificate Face Page within 20 days of the date of a loss.

Step 2 We will send a claim form to the claimant and explain how to complete it. The claimant should receive the claim form within 15 days of giving Us notice of claim.

Step 3 When the claimant receives the claim form, the claimant should fill it out as instructed and return it with the required Proof described in the claim form. If the claimant does not receive a claim form within 15 days after giving Us notice of claim, Proof may be sent using any form sufficient to provide Us with the required Proof.

Step 4 The claimant must give Us Proof not later than 180 days after the date of the loss.

If notice of claim or Proof is not given within the time limits described in this section for any reason including the claimant's legal incapacity, the delay will not cause a claim to be denied or reduced if such notice and Proof are given as soon as is reasonably possible.

Time Limit on Legal Actions. A legal action on a claim may only be brought against Us during a certain period. This period begins 60 days after the date Proof is filed and ends 3 years after the date such Proof is required.

GENERAL PROVISIONS

GCERT2000 gp10/04

77

Assignment You may assign Your Life Insurance rights and benefits under the Group Policy as a gift or as a viatical assignment as described below. You may assign Your Voluntary Accidental Death and Dismemberment Insurance rights and benefits under the Group Policy as a gift. We will recognize the assignee(s) under such assignment as owner(s) of Your right, title and interest in the Group Policy if: 1. a Written form satisfactory to Us, affirming this assignment, has been completed; 2. the Written form has been Signed by You and the assignee(s); 3. the Policyholder acknowledges that Your Life Insurance and Voluntary Accidental Death and

Dismemberment Insurance being assigned is in force on the life of the assignor; and 4. the Written form is delivered to Us for recording. All other insurance under the Group Policy may not be assigned prior to a claim for benefits, except as required by law. We are not responsible for the validity of an assignment. You may have made an irrevocable assignment under a group policy that the Group Policy replaces. In this case, We will recognize the assignee(s) under such assignment as owners of Your right, title and interest under the Group Policy if: 1. a Written form satisfactory to Us, affirming this assignment, has been completed; 2. the Written form has been Signed by You, the assignee(s) and the Policyholder; and 3. the Written form is delivered to Us for recording. Beneficiary You may designate a Beneficiary in Your application or enrollment form. You may change Your Beneficiary at any time. To do so, You must send a Signed and dated, Written request to the Policyholder using a form satisfactory to Us. Your Written request to change the Beneficiary must be sent to the Policyholder within 30 days of the date You Sign such request. You do not need the Beneficiary’s consent to make a change. When We receive the change, it will take effect as of the date You Signed it. The change will not apply to any payment made in good faith by Us before the change request was recorded. If two or more Beneficiaries are designated and their shares are not specified, they will share the insurance equally. If there is no Beneficiary designated or no surviving designated Beneficiary at Your death, We may determine the Beneficiary to be one or more of the following who survive You: • Your Spouse;

• Your child(ren);

• Your parent(s); or

• Your sibling(s). Instead of making payment to any of the above, We may pay Your estate. Any payment made in good faith will discharge our liability to the extent of such payment. If a Beneficiary or a payee is a minor or incompetent to receive payment, We will pay that person's guardian.

GENERAL PROVISIONS (continued)

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78

For Your Life Insurance for Your Dependents, We may pay You as the Beneficiary if alive. If you are not alive, We may determine the Beneficiary to be one or more of the following who survive You: • Your Spouse;

• Your child(ren);

• Your parent(s); or

• Your sibling(s). Instead of making payment to any of the above, We may pay Your estate. Any payment made in good faith will discharge our liability to the extent of such payment. If You and any Dependent die within a 24 hour period, We will pay the Dependent's Life Insurance to the Beneficiary receiving payment of your Life Insurance or We may pay Your estate. If a Beneficiary or a payee is a minor or incompetent to receive payment, We will pay that person's guardian. Suicide For Basic, Employee and Supplemental Life If You commit suicide within 2 years from the date Life Insurance for You takes effect, We will not pay such insurance and Our liability will be limited as follows: • any premium paid by You will be returned to the Beneficiary; and

• any premium paid by the Policyholder will be returned to the Policyholder. If You commit suicide within 2 years from the date an increase in Your Life Insurance takes effect, We will pay to the Beneficiary the amount of Insurance in effect on the day before the increase. Any premium You paid for the increase will be returned to the Beneficiary. Any premium paid by the Policyholder for the increase will be returned to the Policyholder. For Dependent Life If a Dependent commits suicide within 2 years from the date Life Insurance for such Dependent takes effect, We will not pay such insurance and Our liability will be limited as follows: • any premium paid by You will be returned to the Beneficiary; and

• any premium paid by the Policyholder will be returned to the Policyholder. If a Dependent commits suicide within 2 years from the date an increase in Life Insurance for such Dependent takes effect, We will pay to the Beneficiary the amount of Insurance in effect on the day before the increase. Any premium You paid for the increase will be returned to the Beneficiary. Any premium paid by the Policyholder for the increase will be returned to the Policyholder. Entire Contract Your insurance is provided under a contract of group insurance with the Policyholder. The entire contract with the Policyholder is made up of the following: 1. the Group Policy and its Exhibits, which include the certificate(s); 2. the Policyholder's application; and 3. any amendments and/or endorsements to the Group Policy.

GENERAL PROVISIONS (continued)

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79

Incontestability: Statements Made by You Any statement made by You will be considered a representation and not a warranty. We will not use such statement to avoid life insurance, reduce benefits or defend a claim unless the following requirements are met: 1. the statement is in a Written application or enrollment form; 2. You have Signed the application or enrollment form; and 3. a copy of the application or enrollment form has been given to You or Your Beneficiary. For Life Insurance We will not use Your statements which relate to insurability to contest insurance after it has been in force for 2 years during Your life. In addition, We will not use such statements to contest an increase or benefit addition to such insurance after the increase or benefit has been in force for 2 years during Your life. For All Other Insurance We will not use Your statements which relate to insurability to contest Accidental Death and Dismemberment Insurance after it has been in force for 2 years during Your life, unless the statement is fraudulent. In addition, We will not use such statements to contest an increase or benefit addition to such insurance after the increase or benefit has been in force for 2 years during Your life, unless the statement is fraudulent. Misstatement of Age If Your or Your Dependent's age is misstated, the correct age will be used to determine if insurance is in effect and, as appropriate, We will adjust the benefits and/or premiums. Conformity with Law If the terms and provisions of this certificate do not conform to any applicable law, this certificate shall be interpreted to so conform. Physical Exams If a claim is submitted for insurance benefits other than life insurance benefits, We have the right to ask the insured to be examined by a Physician(s) of Our choice as often as is reasonably necessary to process the claim. We will pay the cost of such exam. Autopsy We have the right to make a reasonable request for an autopsy where permitted by law. Any such request will set forth the reasons We are requesting the autopsy.

.

THIS IS THE END OF THE CERTIFICATE. THE FOLLOWING IS ADDITIONAL INFORMATION.

ERISA INFORMATION

NAME AND ADDRESS OF EMPLOYER AND PLAN ADMINISTRATOR Lowe's Companies, Inc. 1000 Lowe’s Boulevard Mooresville, NC 28117 EMPLOYER IDENTIFICATION NUMBER: 56-0578072 PLAN NUMBER COVERAGE PLAN NAME 511 All Coverages Lowe's Companies, Inc. TYPE OF ADMINISTRATION The above listed benefits are insured by Metropolitan Life Insurance Company ("MetLife"). AGENT FOR SERVICE OF LEGAL PROCESS For disputes arising under the Plan, service of legal process may be made upon the Plan administrator at the above address. For disputes seeking payment of benefits, service of legal process may be made upon MetLife by serving MetLife's designated agent to accept service of process. ELIGIBILITY FOR INSURANCE; DESCRIPTION OR SUMMARY OF BENEFITS Your MetLife certificate describes the eligibility requirements for insurance provided by MetLife under the Plan. It also includes a detailed description of the insurance provided by MetLife under the Plan. PLAN TERMINATION OR CHANGES The group policy sets forth those situations in which the Employer and/or MetLife have the rights to end the policy. The Employer reserves the right to change or terminate the Plan at any time. Therefore, there is no guarantee that you will be eligible for the insurance described herein for the duration of your employment. Any such action will be taken only after careful consideration. Your consent or the consent of your beneficiary is not required to terminate, modify, amend, or change the Plan. In the event Your insurance ends in accordance with the DATE YOUR INSURANCE ENDS and DATE YOUR INSURANCE FOR YOUR DEPENDENTS ENDS subsections of Your certificate, you may still be eligible to receive benefits. The circumstances under which benefits are available are described in Your MetLife certificate.

CONTRIBUTIONS You must make a contribution to the cost of Basic Life Insurance, Employee Life Insurance, Supplemental Life Insurance, Voluntary Accidental Death and Dismemberment Insurance and Dependent Life Insurance. The total premium rate for insurance provided under the Plan by MetLife is set by MetLife. PLAN YEAR The Plan's fiscal records are kept on a Plan year basis beginning each January 1st and ending on the following December 31st. Qualified Domestic Relations Orders/Qualified Medical Child Support Orders You and your beneficiaries can obtain, without charge, from the Plan Administrator a copy of any procedures governing Qualified Domestic Relations Orders (QDRO) and Qualified Medical Child Support Orders (QMCSO).

CLAIMS INFORMATION

Procedures for Presenting Claims for Life and Accidental Death and Dismemberment Benefits

All claim forms needed to file for benefits under the group insurance program can be obtained from the Employer who will also be ready to answer questions about the insurance benefits and to assist you or, if applicable, the claimant in filing claims. The instructions on the claim form should be followed carefully. This will expedite the processing of the claim. Be sure all questions are answered fully.

Routine Questions

If there is any question about a claim payment, an explanation may be requested from the employer who is usually able to provide the necessary information.

CLAIM SUBMISSION In submitting claims for life and accidental death and dismemberment benefits ("Benefits"), the claimant must complete the appropriate claim form and submit the required Proof as described in the certificate. Claim forms must be submitted in accordance with the instructions on the claim form. Initial Determination After MetLife receives your claim for Benefits, MetLife will review your claim and notify you of its decision to approve or deny your claim. Such notification will be provided to you within a reasonable period, not to exceed 90 days from the date we received your claim, unless MetLife notifies you within that period that there are special circumstances requiring an extension of time of up to 90 additional days. If MetLife denies your claim in whole or in part, the notification of the claims decision will state the reason why your claim was denied and reference the specific Plan provision(s) on which the denial is based. If the claim is denied because MetLife did not receive sufficient information, the claims decision will describe the additional information needed and explain why such information is needed. The notification will also include a description of the Plan review procedures and time limits, including a statement of your right to bring a civil action if your claim is denied after an appeal.

Appealing the Initial Determination In the event a claim has been denied in whole or in part, you or, if applicable, your beneficiary can request a review of your claim by MetLife. This request for review should be sent in writing to Group Insurance Claims Review at the address of MetLife's office which processed the claim within 60 days after you or, if applicable, your beneficiary received notice of denial of the claim. When requesting a review, please state the reason you or, if applicable, your beneficiary believe the claim was improperly denied and submit in writing any written comments, documents, records or other information you or, if applicable, your beneficiary deem appropriate. Upon your written request, MetLife will provide you free of charge with copies of relevant documents, records and other information. MetLife will re-evaluate all the information, will conduct a full and fair review of the claim, and you or, if applicable, your beneficiary will be notified of the decision. Such notification will be provided within a reasonable period not to exceed 60 days from the date we received your request for review, unless MetLife notifies you within that period that there are special circumstances requiring an extension of time of up to 60 additional days. If MetLife denies the claim on appeal, MetLife will send you a final written decision that states the reason(s) why the claim you appealed is being denied, references any specific Plan provision(s) on which the denial is based, any voluntary appeal procedures offered by the Plan, and a statement of your right to bring a civil action if your claim is denied after an appeal. Upon written request, MetLife will provide you free of charge with copies of documents, records and other information relevant to your claim.

Claims Involving Disability Determinations in connection with Life Insurance

Routine Questions If there is any question about a claim payment, an explanation may be requested from the Employer who is usually able to provide the necessary information. Claim Submission For any claim which requires a determination of disability in connection with life insurance, the claimant must complete the appropriate claim form and submit the required proof as described in the certificate. For example, if your Plan provides that you are not required to continue paying for your life insurance coverage after you are found to be disabled, or if your plan provides that a portion of your life insurance benefits are payable to you after you are found to be disabled, your request for such determination is treated as a claim involving a disability determination. Claim forms must be submitted in accordance with the instructions on the claim form. Initial Determination After MetLife receives your claim involving a disability determination, your claim will be reviewed and you will be notified of the decision to approve or deny your claim. Such notification will be provided to you within a reasonable period, not to exceed 45 days from the date we received your claim; except for situations requiring an extension of time because of matters beyond the control of the Plan, in which case MetLife may have up to two (2) additional extensions of 30 days each to provide you such notification. If MetLife needs an extension, it will notify you prior to the expiration of the initial 45 day period (or prior to the expiration of the first 30 day extension period if a second 30 day extension period is needed), state the reason why the extension is needed, and state when it will make its determination. If an extension is needed because you did not provide sufficient information or filed an incomplete claim, the time from the date of MetLife’s notice requesting further information and an extension until MetLife receives the requested information does not count toward the time period MetLife is allowed to notify you as to its claim decision. You will have 45 days to provide the requested information from the date you receive the extension notice requesting further information from MetLife.

If MetLife denies your claim in whole or in part, the notification of the claims decision will state the reason why your claim was denied and reference the specific Plan provision(s) on which the denial is based. If the claim is denied because MetLife did not receive sufficient information, the claims decision will describe the additional information needed and explain why such information is needed. Further, if an internal rule, protocol, guideline or other criteria was relied upon in making the denial, the claims decision will state the rule, protocol, guideline or other criteria or indicate that such rule, protocol, guideline or other criteria was relied upon and that you may request a copy free of charge. The notification will also include a description of the Plan review procedures and time limits, including a statement of your right to bring a civil action if your claim is denied after an appeal. Appealing the Initial Determination If MetLife denies your claim, you may appeal the decision. Upon your written request, MetLife will provide you free of charge with copies of documents, records and other information relevant to your claim. You must submit your appeal to MetLife at the address indicated on the claim form within 180 days of receiving MetLife’s decision. Appeals must be in writing and must include at least the following information: • Name of Employee

• Name of the Plan

• Reference to the initial decision

• An explanation why you are appealing the initial determination As part of your appeal, you may submit any written comments, documents, records, or other information relating to your claim. After MetLife receives your written request appealing the initial determination, MetLife will conduct a full and fair review of your claim. Deference will not be given to the initial denial, and MetLife’s review will look at the claim anew. The review on appeal will take into account all comments, documents, records, and other information that you submit relating to your claim without regard to whether such information was submitted or considered in the initial determination. The person who will review your appeal will not be the same person as the person who made the initial decision to deny your claim. In addition, the person who is reviewing the appeal will not be a subordinate of the person who made the initial decision to deny your claim. If the initial denial is based in whole or in part on a medical judgment, MetLife will consult with a health care professional with appropriate training and experience in the field of medicine involved in the medical judgment. This health care professional will not have consulted on the initial determination, and will not be a subordinate of any person who was consulted on the initial determination. MetLife will notify you in writing of its final decision within a reasonable period of time, but no later than 45 days after MetLife’s receipt of your written request for review, except that under special circumstances MetLife may have up to an additional 45 days to provide written notification of the final decision. If such an extension is required, MetLife will notify you prior to the expiration of the initial 45-day period, state the reason(s) why such an extension is needed, and state when it will make its determination. If an extension is needed because you did not provide sufficient information, the time period from MetLife’s notice to you of the need for an extension to when MetLife receives the requested information does not count toward the time MetLife is allowed to notify you of its final decision. You will have 45 days to provide the requested information from the date you receive the notice from MetLife. If MetLife denies the claim on appeal, MetLife will send you a final written decision that states the reason(s) why the claim you appealed is being denied, references any specific Plan provision(s) on which the denial is based, any voluntary appeal procedures offered by the Plan, and a statement of your right to bring a civil action if your claim is denied after an appeal. If an internal rule, protocol, guideline or other criteria was relied upon in denying the claim on appeal, the final written decision will state the rule, protocol, guideline or other criteria or indicate that such rule, protocol, guideline or other criteria was relied upon and that you may request a copy free of charge. Upon written request, MetLife will provide you free of charge with copies of documents, records and other information relevant to your claim.

Discretionary Authority of Plan Administrator and Other Plan Fiduciaries

In carrying out their respective responsibilities under the Plan, the Plan administrator and other Plan fiduciaries shall have discretionary authority to interpret the terms of the Plan and to determine eligibility for and entitlement to Plan benefits in accordance with the terms of the Plan. Any interpretation or determination made pursuant to such discretionary authority shall be given full force and effect, unless it can be shown that the interpretation or determination was arbitrary and capricious.

STATEMENT OF ERISA RIGHTS

The following statement is required by federal law and regulation. As a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all participants shall be entitled to: Receive Information About Your Plan and Benefits Examine, without charge, at the Plan administrator's office and at other specified locations, all Plan documents, including insurance contracts and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration. Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan, including insurance contracts and copies of the latest annual report (Form 5500 Series) and updated summary plan descriptions. The administrator may make a reasonable charge for the copies. Receive a summary of the Plan's annual financial report. The Plan Administrator is required by law to furnish each participant with a copy of this summary annual report. Prudent Actions by Plan Fiduciaries In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your Plan, called "fiduciaries" of the Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your employer or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA. Enforce Your Rights If your claim for a welfare benefit is denied or ignored in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules. Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of Plan documents or the latest annual report and do not receive them within 30 days, you may file suit in a Federal court. In such a case, the court may require the Plan administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. In addition, if you disagree with the Plan's decision or lack thereof concerning the qualified status of a domestic relations order or a medical child support order, you may file suit in a Federal court. If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a Federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees.

If you lose, the court may order you to pay these costs and fees; for example, if it finds your claim is frivolous. Assistance with Your Questions If you have any questions about your Plan, you should contact the Plan administrator. If you have any questions about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from the Plan administrator, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210. You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration.

FUTURE OF THE PLAN It is hoped that the Plan will be continued indefinitely, but Lowe's Companies, Inc. reserves the right to change or terminate the Plan in the future. Any such action would be taken only after careful consideration. The Board of Directors of Lowe's Companies, Inc. shall be empowered to amend or terminate the Plan or any benefit under the Plan at any time.

Supplementary ERISA Information For Legal Services The ERISA information set forth above which pertains to Group Supplemental Life Insurance also applies to Legal Services – Will Preparation Benefit and Estate Resolution Benefit, except as noted below: Coverage Legal Services – Will Preparation Benefit and Estate Resolution Benefit Type of Administration Legal Services – Will Preparation Benefit and Estate Resolution Benefit is administered by Hyatt Legal Plans, Inc.

Agent for Service of Legal Process For disputes arising under those portions of the Plan administered by Hyatt Legal Plans, Inc, service of legal process may be made upon Hyatt Legal Plans, Inc.

Eligibility For Will Preparation Benefit and Estate Resolution Benefit - Description or Summary of Benefits

Your MetLife Group Basic Life Insurance, Employee Life Insurance and Supplemental Life Insurance certificate describes the eligibility requirements for the Legal Services - Will Preparation Benefit and Estate Resolution Benefit under the Plan. It also includes a summary description of the benefit. For more detailed information, you may contact the provider, Hyatt Legal Plans, Inc. by phone at 1-800-821-6400.

Plan Termination or Changes The Will Preparation Benefit and Estate Resolution Benefit is being provided by Hyatt Legal Plans, Inc. through an agreement between MetLife and Hyatt Legal Plans, Inc. and may be terminated at any time.

Contributions

No contribution is required for Legal Services – Will Preparation Benefit and Estate Resolution Benefit.

Claims Information

Claims information for Legal Services – Will Preparation Benefit and Estate Resolution Benefit may be obtained by contacting the provider, Hyatt Legal Plans, Inc. by phone at 1-800-821-6400.

For information about the Will Preparation Service and Estate Resolution Service, you may contact the provider, Hyatt Legal

Plans, Inc. by phone.

Phone:1-800-821-6400

CR2000 Certificate Number 4.1

Metropolitan Life Insurance Company 200 Park Avenue, New York, New York 10166

CERTIFICATE RIDER Group Policy No.: 109702-1-G Policyholder: Lowe’s Companies, Inc. Effective Date: May 1, 2011 The certificate is changed as follows: Applicable to all Full-Time employees of the Policyholder who are residents of Texas: "Revise the maximum Terminally Ill or Terminal Illness life expectancy period to 24 months in the section entitled LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU and LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOUR SPOUSE." This rider is to be attached to and made a part of the Certificate.

CR2000

Metropolitan Life Insurance Company New York, New York

CERTIFICATE RIDER Group Policy No.: 109702-1-G Policyholder: Lowe’s Companies, Inc. Effective Date: July 1, 2012 The certificate is changed as shown below: The SCHEDULE OF BENEFITS section of the certificate is revised to add the following:

“How We Will Pay Benefits

Unless the Beneficiary requests payment by check, when the certificate states that We will pay benefits in “one sum” or a “single sum,” We may pay the full benefit amount:

1. by check; 2. by establishing an account that earns interest and provides the Beneficiary with immediate access to

the full benefit amount; or 3. by any other method that provides the Beneficiary with immediate access to the full benefit amount.

Other modes of payment may be available upon request.”

This rider is to be attached to and made a part of the certificate.

Certificate Number 4.2

CR2000 Certificate Number 4.3

Metropolitan Life Insurance Company

200 Park Avenue, New York, New York 10166 CERTIFICATE RIDER Group Policy No.: 109702-1-G Policyholder: Lowe’s Companies, Inc. Effective Date: July 1, 2012 The certificate is changed as follows: Applicable to all Full-Time Employees. In DEFINITIONS, replace the definition of Child under for Life Insurance with the following: “Child means the following: (for residents of Louisiana, Minnesota, Montana, New Mexico, Texas and Utah, the Child Definition is modified as explained in the notice pages of this certificate - please consult the Notice) for Life Insurance, Your natural child, adopted child (including a child from the date of placement with the adopting parents until the legal adoption); Your stepchild (including the child of a Domestic Partner); or a child who resides with You and for whom You are the legally appointed guardian, and who, in each case, is under age 26 and supported by You. The term does not include any person who: • is on active duty in the military of any country or international authority; however, active duty for this


• is insured under the Group Policy as an employee.” This rider is to be attached to and made part of the certificate.

Documents

YOUR BENEFIT PLAN Lowe's Companies, Inc. · 2001. 1. 11. · Lowe's Companies, Inc. 1000 Lowe’s Boulevard Mooresville, NC 28117 TO OUR EMPLOYEES: All of us appreciate the protection